One of the nations’ largest Credit Unions, PenFed has great rates and makes refinancing your student loans quick and easy!  Our "Find my rate" tool estimates the terms of the loan and your lifetime savings BEFORE you apply and WITHOUT pulling your credit report.  There are also no application fees, closing costs, or early repayment penalties Student Loan Refinance Program Features: Earn $400 payout for every loan closed. 30-day cookie. Average lifetime savings of $19,783 on higher balance loans. Fixed rates as low as 3.75% APR Loan terms: 5, 8, 12 and 15 Years. No application or origination fees and no prepayment penalties.   Search Policy: We encourage affiliates to use generic keywords in their search engine optimization. However, affiliates may not use our trademark name, our domain name or misspellings or variations of these. Please see our Program Term for our detailed SEM policy. Contact Us: purefy@iquanti.com