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

Fixed Interest Rate

5yr / 4.25%

10yr / 5.50%

15yr / 6.75%

Variable Interest Rate*

5yr / 4.20%

10yr / 4.85%

15yr / 5.55%

*As of 1/1/2020. Subject to change quarterly.