Student Loan Refinance Technology & Free Service

Deciding to do a student loan refinance is a difficult decision.  Therefore, we make it easy for FitBUX Member's by offering:   

  • Personalized help throughout the student loan refinance process
  • Access to unbiased financial experts
  • Easy shopping with 9 student loan refinance lenders
  • Access to one-of-a-kind tools
  • A chance to win $25,000

Student Loan Refinance Technology & Free Service

Deciding to do a student loan refinance is a difficult decision.  Therefore, we make it easy for FitBUX Member's by offering:   

  • Personalized help throughout the student loan refinance process
  • Access to unbiased financial experts
  • Easy rate shopping with 9 student loan refinance lenders
  • Access to one-of-a-kind tools
  • A chance to win $25,000
Leor student loan refinance quote

"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 Class of 2019

Become A Member. Get Free Help!

Join FitBUX

Become a member & build your profile. It takes 5 minutes to build, gives you access to our tools, and helps our Coaches understand your situation.

Get Free Expert Help

Schedule a free call with a FitBUX Coach. They are experts in financial planning & student loans.  Plus we have technology to help you make your decision easy! 

Refi & Save

From determining your strategy to closing the loan, Your Coach will help you throughout the student loan refinance process.  

Our One-Of-A-Kind Student Loan Refinance Service

Help Throughout The Process

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

The reasons above is why we offer our free student loan refinance service.

FitBUX helps you throughout the entire process.  Your situation is unique.  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 there to help you.

Student Loan Refinance Service Gives You Financial Experts
Real People, Real Experts

Your FitBUX Coach 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 Coaches are Chartered Financial Analyst (CFA) Charter Holder & have degrees in financial planning. They work for you, not the student loan refinance lenders or the government.

Whether refinancing or not, your Coach provides unbiased opinions. In fact, only 25% of the FitBUX members go through with refinancing.

Why? Because we're not a "refi farm" and really have our Members' best interest in mind. We are expert student loan planners.

Rate Shopping

We've partnered with the 9 best student loan refinance companies. We work with you to find the right solution in a complex landscape.


Our Coaches 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.

Rate Shopping

We've partnered with the 9 best student loan refinance companies. We work with you to find the right solution in a complex landscape.


Our Coaches 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.

Student Loan Refinance Technology

Most finance sites have student loan refinance calculators as do lenders. However, most over estimate how much you save by refinancing.

Our student loan refinance technology + our free FitBUX Coaches will give you the accurate amount.

Therefore, you can decide what is best for you!

Click here to watch 3 mistakes people make and how our tools can help prevent you from making the same mistakes!

Refinance And Enter Our $25,000 Giveaway Now!

Refi Service + $25,000 = No Brainer

It's simple...every time 500 FitBUX Members refinance their student loans with one of our 9 partners, we give away $25,000!


That's right. Refinance with one of our partners and you have a 1 in 500 chance to win $25,000!


Refi Service + $25,000 = No Brainer

It's simple...every time 500 FitBUX Members refinance their student loans with one of our 9 partners, we give away $25,000!


That's right. Refinance with one of our partners and you have a 1 in 500 chance to win $25,000!


Frequently Asked Questions About This Free Service

How can you offer the student loan refinance service for free?

We do so much student loan refinance volume that lenders ask to partner with us.  As part of this partnership they pay us for each loan.  This is great because it allows us to decide who we work with.  Therefore, if you have a problem, we can help you get answers because the lenders don't want to lose our business.

Why do you offer the student loan refinance service for free?

Our primary source of revenue is from our financial planning technology.  Our goal is to build trust with each one of our Members so they continue to use our technology.  Also, when they need help for anything, from student loans to mortgages, they can trust us to show them the best options because we do not want to lose a lifetime Member.

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

We get asked this based on two points of view:

1) Are they really the lowest rate?  Answer: 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 triangulate who would offer the most competitive rates so you don't have to waste your time shopping 9 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?  Answer:  Each lender compensates us a different amount.  Our FitBUX Coaches do not know the amount each lender pays us. In addition, our Coaches 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. Thus, they will offer you a lower rate if we provide them with the right documents.  Be sure to ask your FitBUX Coach 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 Coach 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 9 Student Loan Refinance Companies.  These are the companies we partner with.

Does refinancing my student loans increase my FitBUX Score?

When it comes to private loans, the majority of time your FitBUX Score will increase either today or increase relatively faster 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 Coaches.  They are expert student loan planners.

Is it worth it to refinance student loans?

Everybody 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 yes its worth it. Sometimes we see people that would save $30,000 and say no its not worth it.  That is why we recommend taking advantage of our free service and speaking with a FitBUX Coach.

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

What are current student loan refinance rates?

For most borrowers we are seeing rates between 4% and 6% depending on the term that you are using.  We still see some rates in the 3% range but mostly for short-term high credit quality loans.

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, once you two to three months after you complete the refinance, we typically see credit scores go up.

Can student loans be forgiven if refinanced?

No!  

This is the first step in the process, i.e. determining if you are paying off your student loans or pursuing loan forgiveness.  This is why we recommend building your profile and using our financial planning technology.  Therefore, you will know which route you are going and if refinancing makes since for you or not.

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.

Get help, save money, peace of mind!