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A New Hampshire-based educational non-profit serving NH students and families

Refinance Your Student Loans

Granite Edvance offers student loan refinancing for NH residents who would like to refinance their existing student loans.

Simplify your finances

  • Competitive rates
  • No origination fee
  • Optional .25% discount for automatic debit
  • Optional cosigner with optional release1
  • Choice of term options (5, 10, 15, and 20 years)
  • Immediate repayment only
Check your rate

By clicking to check your rate, you will leave Granite Edvance’s website and enter the website of our trusted third-party service provider. Checking your rate on Sparrow will not affect your credit score and only takes 3 minutes.
Disclosures

Refinance Loan

  • Fixed Rates

    4.149% – 9.311% APR2w/ optional .25% automatic debit discount

Not a New Hampshire resident?
Head over to our EdvestinU website and learn more about the financing options we offer beyond New Hampshire.

 

What is refinancing?

Refinancing is a chance to “trade in” your current student loan or loans for a new one, with new terms that may better fit your needs. Our Refinance Loan allows borrowers to refinance both federal and private student loans into one single new loan with a new interest rate and repayment term.

Is refinancing right for me?

Refinancing can potentially lower a borrower’s monthly payment by reducing their interest rate and/or extending the repayment term of their loan. However, extending a repayment term will typically result in a higher total cost of a loan. Additionally, refinancing a federal loan means forfeiting the benefits associated with federal loans. We encourage you to speak with your federal loan servicer and research the options on the studentaid.gov website before choosing a Refinance Loan.

Refinancing might be a good option if you’re looking to:

  • Lower your monthly payment: This is the most common reason why people refinance. You may be able to lower your monthly payment by qualifying for a lower interest rate, and/or extending your repayment term. Extending your repayment term increases your total loan cost, since you’ll be paying interest on a greater number of monthly payments.
  • Remove a cosigner: Refinancing is one way to do this.
  • Consolidate multiple loans: Refinancing into a single new loan can help streamline your monthly payments.

Check out the Frequently Asked Questions about refinancing and our Granite Edvance Refinance Loan.

Let’s keep in touch

Not ready to refinance yet? Keep in touch with us through our newsletter, and come back whenever you’re ready! We offer helpful information throughout the year to help you discover and fund your future.

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How to Apply

  1. .01

    Check your rate

  2. .02

    Review loan

  3. .03

    Upload required documents

  4. .04

    Customize loan terms

  5. .05

    Simplify your finances

Check your rate

Want to talk through your loan options?

Our Customer Experience Team is available Monday–Thursday, 8 AM–8 PM EST, and Friday, 8 AM-5 PM EST

Schedule a free consultation

Application & Solicitation Disclosure

1 To be eligible for cosigner release, account is to be current, after 24 months of consecutive and on-time payments (except for states that require borrowers to have made 12 months of consecutive and on-time payments), and the remaining borrower meets the Lender’s then required credit underwriting criteria.

2 APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, a 5-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes a 20-year repayment term and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 3.

3 Borrowers with refinance loans that are in deferment or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment.

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