About SELF Refi

The SELF Refi is a student loan refinancing program administered by the Minnesota Office of Higher Education, a state agency. The program is available to Minnesota residents who completed a postsecondary course of study and meet the credit criteria. SELF Refi could reduce the amount of interest you pay and/or provide a more manageable monthly payment amount. This program is available for qualifying loans where the student is the borrower. Parent PLUS loans are not eligible.


Current Rates

SELF Refi
Fixed Interest Rate

5yr / 4.25%

10yr / 5.50%

15yr / 6.75%

SELF Refi
Variable Interest Rate*

5yr / 4.80%

10yr / 5.45%

15yr / 6.15%

*As of 7/1/2019. Subject to change quarterly.