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First Republic Student Loan Refinancing Review

Editorial note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by the financial institution.

Although First Republic removed its student loan refinancing program, they now offer a personal line of credit- similar to refinancing a student loan. First Republic has competitive rates for strong candidates and looks to form a long-term relationship.



Receive a repayment rebate for repaying your debt early
Prequalify in one minute
You can apply with a co-signer


Strict eligibility requirements
No forbearance protection
No repayment terms longer than 15 years

What we Like

Repayment Rebate

First Republic is great for those who think they will be able to pay off their debt fast since they offer a repayment rebate.

Ability to Refinance Other Debt

With its flexible use cases, the Personal Line of Credit offers the ability to refinance other types of debt, such as auto loans.

Apply with Co-Signer

FirstRepublic is also a great option for recent undergraduates and graduates because they let you apply with a co-signer.

How to Qualify

First Republic offers competitive student loan interest rates, but qualifying for their line of credit can be difficult because of its strict eligibility requirements.

Details and Offers


Loans Qualifications: Federal, Private, and PLUS loans
Loan Terms: 5, 7, 10, and 15 years
Loan Amounts: Minimum: $60,000 Maximum: $350,000
Fees or Prepayment Penalties: None
Servicer: In-House
Forbearance: No

You can compare the top student loan lenders on Snowball’s Student Loan Lender Marketplace or Snowball can provide you with a personalized plan!

Advertiser Disclosure: At Snowball, we are committed to being honest and transparent. We will not allow advertisers to influence our opinion of offers that appear on our site. We do receive compensation from some partners whose offers appear here. It is this compensation which enables us to provide you with free services. We also may not cover all offers in the market. We are firm believers that if we wouldn’t recommend an offer to a close friend or family, we wouldn’t recommend it on Snowball either.

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