in Student Loan Refinancing from iHELP




in Student Loan Refinancing from iHELP

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Fixed APR 4.65% - 8.84%
Variable APR 3.7% - 9.59%
Loan Amount $5,000 - $250,000
Loan Term (Years) 10 - 20

iHELP Review

iHELP is a student loan refinance offering by iHELP, a marketplace lender. Founded in 1978, iHELP offers student loan refinancing in 50 states (and Washington, DC).

What APRs does iHELP offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

iHELP offers variable rate APRs that range from 3.7% to 9.59%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.65% to 8.84% APR.

How much can you borrow via iHELP?

Loan amounts start at $5,000 and go up to $250,000

Does iHELP charge an origination fee?

No, iHELP does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does iHELP charge prepayment fees?

Yes, iHELP charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does iHELP offer?

iHELP provides refinancing loans of 10 to 20 years.

What type of borrowers will iHELP consider?

iHELP considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for a iHELP student loan refinance?

iHELP doesn’t disclose its credit score minimum.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

What is the estimated funding time for a student loan refinance via iHELP?

iHELP will typically fund loans within 7 and 14 days of approval.

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Other Services by iHELP


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 6
No Origination Fee  
Cosigner Optional  
Variable APR 3.7% - 9.59%
Loan Amount $5K - $250K
Loan Term (Years) 10 - 20
Fixed APR 4.65% - 8.84%

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