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.
SELF Refi
Fixed Interest Rate
5yr / 6.00%
10yr / 6.50%
15yr / 7.00%
SELF Refi
Variable Interest Rate*
5yr / 7.90%
10yr / 8.65%
15yr / 9.15%
*As of 10-01-2023. Subject to change quarterly.
View Historic Interest Rates