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 / 3.80%

10yr / 4.55%

15yr / 5.30%

Variable Interest Rate*

5yr / 2.50%

10yr / 3.15%

15yr / 3.85%

*As of 4/1/2021. Subject to change quarterly.