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INvestEd recommends that all potential borrowers with federal student loan debt carefully consider their options before refinancing. These federal student loans may be eligible for new benefits provided under the CARES Act. When you refinance, you waive any current and potential future benefits of your federal loans and replace those with the benefits of the INvestEd Refi Loan.

The INvestEd Refi Loan difference!

You have questions. We have answers. INvestEd helps Hoosiers navigate student loan refinancing.

Student loans are a double-edged sword. On the one hand, they may have made college possible. On the other, it may feel like you’ll never get them paid off. The truth is, you can get out from under them and refinancing them into a new loan with lower rates may be the answer. We’re INvestEd, an Indiana not-for-profit that has been helping Hoosier families access and fund education for over 40 years. Now we’re helping new families refinance existing high-interest private and federal loans to better manage their educational loan debt. There are three key questions to ask to find out if refinancing makes sense for you:

  1. Can I get a lower interest rate on my current loans?
  2. Can I reduce the overall amount I have to repay?
  3. Can I lower my monthly payment
"Find out in less than two minutes how much you can save with an Invested refi loan."

We’re here to help. Call us at (317) 715-9015chat with us online, or start the application process now.


  • Rates as low as:
    • 6.15% APR1 Fixed2
    • 8.50% APR1 Variable3
  • Repayment term options: 5, 10, 15, & 20 years
  • Refinance Amount:
    • Minimum: $5,000
    • Maximum: $250,000

Read important loan disclosures »

Learn More »

True Benefits

Lower your rate with our benefit for making auto-debit payments, and learn more about having a co-signer released from their obligation.

Borrower Benefits »


  • Must be a citizen or permanent resident of the United States
  • Borrower and co-signer (if applicable) must have established credit history and meet annual income requirements
  • Eligible loans include private and federal loans that are in good standing (as defined by INvestEd)

This list of criteria is not exhaustive. For additional details, please click the Learn More link below.

Learn More »

I’m ready to apply

Our application is straightforward and easy to use. We’ll guide you, step-by-step, to help you get your best rate. Our application should only take a few minutes to complete, but you’re welcome to start it now, save your work, and come back if you get pulled away.

To complete your application, you’ll need:

  • Your Social Security Number
  • 2 most recent pay stubs (to verify your income)
  • Your previous year W-2 forms (to verify employment)
  • Information of your current loans (lender, interest rate, balance, etc.)

That’s it! Everything else should be pretty straightforward. If you’ve got any questions, please feel free to call, email, or chat with us.

Helpful Tips

State of Indiana grant money can lower your student loan borrowing.  April 15th is the Indiana FAFSA filing deadline for state aid.

Hoosiers Want Trusted Partners to Help Navigate Funding Options & Avoid Student Debt.

Learn more about the INvestEd Survey. »