Save Thousands by refinancing your student loans

Get expert guidance and personalized recommendations to find the best refinancing options for your unique needs.

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"I couldn't have imagined receiving this great of support for my student loan refinance. Incredibly helpful and I will be recommending FitBUX to everyone I know with student loans." 

Tyson M.

DPT, USC

How To Get Help

Complete Your Profile

Your profile feeds our technology so you get accurate student loan advice.

Get Expert Help

Build a custom student loan plan by scheduling a call with a student loan expert or by using our technology.

Refi & Save

From determine your strategy to closing the loan, your Expert will be there every step of the way.

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Why refinance with FitBUX?

We provide you two options to best suit your needs:

Membership

Not sure if you should be refinancing or not? Members use our financial planning technology to develop a student loan repayment plan. If refinancing is part of your plan, our refinance service is included in the Membership.

Free Refinance Call

For those that know they want to refinance, want help shopping, dealing with lenders, and want to maximize their refinance strategy, you can schedule a call with our Experts and we'll help you throughout the whole process.

Trusted by Thousands Of Young Professionals

We've helped young professionals refinance more than $200 million in student loans and save over $50 million in interest. We can help you too!

Help Throughout The Process

Deciding what to do with your student loans and getting good help is difficult. Student loan refinance lenders and servicers can be a pain to work with.

FitBUX helps you throughout the entire process. We'll help you choose a strategy that is right for you.  This includes everything from deciding if you should refinance to choosing the term of the loan. We are here to help you.

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Real People, Real Experts

Your FitBUX Expert is on your side. They are there to make sure you make a good choice and the lender does what they are supposed to do.

Our Experts are Chartered Financial Analyst (CFA) Charter Holders or have degrees in financial planning. They work for you, not the student loan refinance lenders or the government.

Whether refinancing or not, your Expert provides unbiased opinions. In fact, only 25% of FitBUX members go through with refinancing. We're not a "refi farm" and really have our Members' best interests in mind. We are expert student loan planners.

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Rate Shopping

We've partnered with the 8 best student loan refinance companies. We work with you to find the right solution in a complex landscape.

Our Experts are trained to know the nuances of each company and who will give you the best offer.

FitBUX's refinance service gives you the confidence that you're doing the right thing, refinancing into the right loan, and getting the best offer possible.

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Student loan refinance technology

Most finance sites and lenders have student loan refinance calculators. However, most of them overestimate how much you save by refinancing.

Our student loan refinance technology and our FitBUX Experts will give you an accurate amount. You can decide what is best for you!

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Frequently Asked Questions

How do I know you are sending me to the best lender?

1) Are they really the lowest rate?
We keep a database of lenders rates for various data points.  This is one reason why we have you build your FitBUX profile.  Based on your profile, we can pinpoint who would offer the most competitive rates so you don't have to waste your time shopping 8 different lenders.

2) If the student loan refinance lender is paying you, how do I know you aren't simply sending me to the company that pays you the most?
Each lender compensates us a different amount.  Our FitBUX Experts do not know the amount each lender pays us. In addition, our Experts are paid the same regardless of what lender you choose and/or if you decide to refinance or not.  That is why they don't pressure you to refinance.  Their goal is to provide you with the appropriate numbers and to answer your questions so you can make the best decision.

Do you negotiate lower interest rates?

Some of the student loan refinance lenders we work with will compete for your business. Therefore, they will offer you a lower rate if we provide them with the right documents. Be sure to ask your FitBUX Expert if this is an option for you.

Do you negotiate bonuses?

Some lenders will pay you a bonus if you refinance with them. If you see a bonus at a lender, be sure to ask your FitBUX Expert about it and we'll try to get you a similar bonus.

 

Which student loan refinance companies do you partner with?

Check out our article titled FitBUX's Top 8 Student Loan Refinance Companies. These are the companies we partner with. 

Does refinancing my student loans increase my FitBUX Score?

For private loans, your FitBUX Score will usually either increase immediately or increase more quickly than if you didn't refinance.

For Federal student loans, it depends. There are a number of different plans and each affects your FitBUX Score differently. That is why we highly recommend speaking with one of our FitBUX Experts. They are experienced student loan planners.

 

Is it worth it to refinance student loans?

Everyone has a different situation. The key is calculating how much you really save by refinancing. You can then decide if going from a Federal loan to a private loan is worth it.

Sometimes we see people save $500 by refinancing and say it’s worth it. Sometimes we see people that would save $30,000 and say it’s not worth it. That is why we recommend speaking with a FitBUX Expert.

For private student loans, it’s almost always worth it to refinance.

Does refinancing hurt my credit?

Using FitBUX's student loan refinance service does not affect your credit score. When you do a rate check, your score is not affected.

Once you submit an application, the student loan refinance lender does a hard credit inquiry. This may drop your score slightly. However, your credit score typically goes up after two to three months since you completed the refinance.

How long does it take to refinance loans?

This depends on the student loan refinance lender. Some take as little as 24 hours. Others take about 2 weeks. It also depends on how quickly you provide the appropriate documentation.

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