About SELF Refi

The SELF Refi is a new 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.

Borrowers: Check If You Are Eligible

Co-signers: Check If You Are Eligible

Current Rates

SELF Refi
Fixed Interest Rate

5yr / 4.25%

10yr / 5.50%

15yr / 6.75%

SELF Refi
Variable Interest Rate*

5yr / 3.20%

10yr / 3.85%

15yr / 4.55%

*As of 10/1/2016. Subject to change quarterly.