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.

Am I Eligible?

You may be eligible if you are a Minnesota resident who completed a certificate, diploma, associate, bachelor's or graduate degree.

Current Rates

Fixed Interest Rate

5yr / 4.25%

10yr / 5.50%

15yr / 6.75%

Variable Interest Rate*

5yr / 4.40%

10yr / 5.05%

15yr / 5.75%

*As of 7/1/2018. Subject to change quarterly.