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The benefits of refinancing with Prodigy Finance

We know international students sometimes struggle to get the best loan rates from US lenders. We're here to help you lower your interest rate and release your co-signer.

Fixed margin rate starting at 5.25%*
Fixed margin rate starting at 5.25%*


Release your co-signer
Release your co-signer


No additional fee to refinance
No additional fee to refinance


No penalty for early repayment
No penalty for early repayment


Fast online application
Fast online application

Am I eligible for refinancing?

✔ Currently employed

✔ A non-U.S. citizen and do not have U.S. permanent residence

✔ Living in a qualifying U.S. jurisdiction***

✔ Applying to refinance a private education loan made by a U.S. lender

✔ A graduate from a postgraduate program that we support

✔ Must not be refinancing an existing Prodigy Finance loan

We’ve helped over 9400 students, from 118 countries, borrow over $410m.  Now let us help you refinance.

How it works

Apply online
Feedback within 2 business days
Verify your application
Sign your offer agreement
Get refinanced!

In order to confirm your loan, we need supporting documents to verify the information you share with us.  Click here to download the document checklist.

Terms and Conditions Apply.

Prodigy Finance reserves the right to vary or discontinue this program at any time without notice. To qualify, borrowers must meet Prodigy Finance eligibility and underwriting requirements.

Prodigy Finance Limited is incorporated in the United Kingdom (Company Number 05912562) and authorised and regulated by the Financial Conduct Authority (firm registration number 709641) for consumer credit activities. Prodigy Finance Limited loans are offered to eligible borrowers and the loans are governed by English law.

* Over the 3-month USD Libor base rate. This minimum margin rate is subject to change. If you are approved for a loan, the interest rate will depend on your credit profile, your application and loan term.

** Savings determined by calculating the difference between the costs of an example of a current loan and two Prodigy Finance refinanced loan options (Options 1 or 2), assuming all payments are made on time, monthly payments are made in full for the duration of the loan, and interest rates do not change over time (USD Libor fluctuates, which can temporarily increase or decrease the cost of the loan over time). Current student loan: $100,000 at 8.25% interest rate with 20 years remaining on the loan; compared with Option 1: $100 000 at 6.55% interest rate (fixed interest rate of 5.25% + 3-month USD Libor of 1.30%) with a 7-year loan term. This option results in savings of more than $75 000 over the life of the loan; or compared with Option 2: $100 000 at 6.55% interest rate (fixed interest rate of 5.25% + 3-month USD Libor of 1.30%) with a 20-year loan term. This option results in monthly savings of over $100.

*** Refinance is currently only available in the following States: AK, CO, DC, FL, GA, IL, KY, MS, NE, NH, NM, NY, NC, OK, OR, PA, SC, TX, VA, WV, WI. If your state where you live isn’t listed please let us know by contacting refi@prodigyfinance.com and we’ll let you know when we launch refinancing in your state.