Student Loan Refinancing

For many, paying down student loan debt is one of the biggest financial challenges they face as they plan for the future. That’s where student loan refinancing comes in.

At First Republic, we believe that smart people shouldn’t pay a penny more than they have to on their student loans. And now, because we have some of the lowest refinancing rates in the country, you don’t have to.1

One simple monthly payment

Consolidate your student loans into one payment for ease and convenience.

Pay off early, get money back

Earn back the interest paid on your loan (up to 2.00% of the original loan balance) when you pay in full within four years.



No loan fees – ever

We’ll never charge origination, annual or prepayment fees on your loan.

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This is not a student loan. The product’s terms may differ from the terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans. Contact your legal and financial advisors for advice on deciding whether this product is right for you. Product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations. Applicants must meet a First Republic banker in person to complete paperwork. This can be done at any First Republic Preferred Banking Office. This is not a commitment to lend, all loans subject to First Republic’s underwriting standards. Applicants should discuss loan terms, conditions and account details with their banker.

No matter where you are in your financial journey, we’re here with you – every step of the way. Contact us today to learn more about our products and services and see for yourself why we’re working to be your bank for life (and your lifestyle).

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1 Eagle Invest is an investment advisory service offered by First Republic Investment Management, Inc., in partnership with FutureAdvisor, Inc. (FutureAdvisor). First Republic Investment Management, FutureAdvisor and Fidelity Investments, Member FINRA/SIPC, are unaffiliated SEC-registered investment advisors. FutureAdvisor is a registered trademark of BlackRock, Inc. or its subsidiaries in the United States and elsewhere.