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The INvestEd Refi Loan

INvestEd is an Indiana not-for-profit that has been helping Hoosier families access and fund education for over 35 years. Refinancing existing private and/or federal loans may be just what you need to better manage your educational loan debt. We know not everyone needs to refinance, but you should ask yourself:

  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?

If you don’t know or at least want to find out the answer to these questions, then check out the INvestEd Refi Loan and let us help you!

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Rates, Eligibility, & Benefits


  • Fixed Rates range from 4.22% – 9.56% and Variable rates range from 2.55% – 8.30% (Rates assume ACH borrower benefit included.)
  • Repayment term options: 5, 12, & 20 years
  • Refinance Amount:
    • Minimum: $5,000
    • Maximum: $200,000

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  • Must be an Indiana resident
  • 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) and used to fund an education at an eligible institution (as defined by INvestEd).

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

  • 1.00% interest rate reduction for auto-debit payments.
  • Co-signer release opportunity after 48 consecutive on-time principal and interest payments.
  • Multiple deferment options

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Apply Now!

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 take about 15 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:

  • 2 most recent pay stubs (to verify your income)
  • Your Social Security Number
  • The information of your current loans
  • Proof of Indiana residency

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.

Apply Now!

Have questions?

We've got real, local, Hoosiers ready to help you navigate refinancing your loan. Reach out to Robert, Bill, Susan or Alex today!

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