Refinance Your Student Loans,If It's the Right Move
Lower your rate on private loans. And if you have federal loans, we'll tell you honestly when refinancing is a mistake.
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Mesa Group Consulting is not a lender and is not affiliated with any federal student loan program. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.
Federal or Private?The Answer Changes Everything.
Refinancing a federal student loan into a private one is permanent. Before anyone shows you a rate, you should understand what you would be giving up.
What you give up with federal loans
Refinancing federal loans into a private loan cannot be undone. You would give up income-driven repayment, forgiveness programs including Public Service Loan Forgiveness, and federal deferment and forbearance options. Private loans do not carry those protections, which is why they are usually the better refinance candidate.
Probably should not refinance federal loans
- Public service, teaching, healthcare, or government work
- Anyone pursuing loan forgiveness
- Anyone who might need income-based payments later
Refinancing usually suits
- Borrowers with private student loans
- Stable income and no need for federal protections
- Credit strong enough to earn a better rate
Should you refinance?
Two questions. We will give you a straight answer, even when the answer is no.
What kind of student loans do you have?
We Will Tell YouWhen Not to Refinance.
A lender's site has one job: get you to apply. We are a credit consulting firm first, which means we can afford to tell you the truth. Sometimes that truth is that your federal loans are worth keeping exactly where they are.
Straight answers, including no
If refinancing would cost you protections you need, we say so.
We fix what holds your rate back
Credit is usually the lever. See Credit Restoration and Build Credit.
A local team, not a call center
A real Bakersfield office, in English, Spanish, and Punjabi.
What Could Your New Payment Be?
Set your balance and a term to see a sample payment. Then check your real rate.
New term
Estimated monthly payment
at a representative 6.99% APR
$464/mo
Estimate only, shown at a representative 6.99% APR. Your actual rate and payment vary by credit, income, and lender. A longer term lowers the monthly payment but can increase the total interest you pay. Federal loans carry protections a private refinance would end.
Three Steps, No Credit Hit to Look
Check your rate
Answer a few questions to see what you may qualify for. This is a soft inquiry, so your score is not affected.
Compare your offers
Look at rate, term, and monthly payment together. A longer term lowers the payment but can raise the total interest you pay.
Your new lender pays off the old loans
Keep paying your current loans until you have written confirmation they are paid in full.
Have These Handy
Checking your rate takes a few minutes. Having these four things nearby makes it faster.
Your loan details
Balances and servicer information for each loan you want to refinance.
Your income
Steady, verifiable income that comfortably covers the payment.
Your credit
It shapes the rate more than the approval. Better credit, better terms.
A finished program
Most lenders require you to have completed your degree or program.
A note on grace periods
If you recently finished school, you may still be in your grace period, and refinancing can end it early. Tell us where you are in that window and we will factor it in before you do anything.
Rates and terms vary by credit, income, and lender. Savings depend on your rate, balance, and term.
Advice You Can Check.People You Can Visit.
Mesa Group Consulting is not a lender, and we are not affiliated with any federal student loan program. We help you compare offers, and we tell you when you should not.
Serving Bakersfield and Kern County since 2023, in English, Spanish, and Punjabi, from a real office you can visit.
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Savings depend on your rate, balance, and term, and are not guaranteed. Rates and terms vary by credit, income, and lender. Results vary by individual circumstances; testimonials reflect individual experiences.
Mesa Group Consulting is not a lender and is not affiliated with any federal student loan program. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.
Common Questions.Honest Answers.
Everything you need to know before you refinance.
Check Your Rate.Keep What Matters.
Checking takes a few minutes and will not affect your score.
If refinancing is not right for your situation, we will be the ones to tell you.
Or call us: (661) 310-3040
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Mesa Group Consulting is not a lender and is not affiliated with any federal student loan program. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.