Refinance up to $100,000 with rates starting at 5.74% APR*

Apply Now

Refinance up to $100,000 with rates starting at 5.74% APR*

Apply Now

Student Loans

Offering smarter solutions to invest in your future

Limited-Time Offer: Get $400* When You Refinance

Tools & Resources

Find My Rate

Check your rate in as little as two minutes without affecting your credit score.

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Contact a College Counselor

Free, one-on-one consultation to answer your refinancing questions via phone or email

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RESOURCES

Refi Savings Calculator

Make a Student Loan Payment

Speak with a Student Loan Specialist

Student Loans and Refinancing

Rates effective starting: August 17, 2025

Product APR1 Maximum Term Monthly Cost (per $1,000)
Student Loan (Undergraduate) As low as 10.75%2
Student Loan Refinance (Variable) 5.49% - 8.49% 5 years $19.19 – $20.66
Student Loan Refinance (Variable) 6.64% - 9.14% 10 years $11.50 – $12.85
Student Loan Refinance (Variable) 6.89% - 9.39% 15 years $8.99 – $10.46
Student Loan Refinance (Fixed) 5.74% - 8.74% 5 years $19.31- $20.79
Student Loan Refinance (Fixed) 6.89% -9.39% 10 years $11.63 – $12.99
Student Loan Refinance (Fixed) 7.19% - 9.64% 15 years $9.13 – $10.62

1APR = Annual Percentage Rate.  Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time. 

2The APR for our undergraduate private education line of credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate. For student loan refinance, APR on a variable option is variable and based on the Prime index, plus a margin; for fixed-rate option, APR is fixed for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. Subject to credit qualification and additional criteria, including graduating from an approved school. Loans subject to approval. 

*To qualify, the loan application must be started between 08/30/2023 and 09/30/2025. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $400. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.