Student Loan Refinancing

Pay Less Interest

Lower your monthly payment or pay off your student loan as fast as possible by refinancing your loan with PENZIOX.

Fixed rates as low as % APR and Variable Rate as low as % APR.

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Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from % APR to % APR and Variable Rate range from % APR to %. Both Fixed and Variable Rates will vary based on application terms, level of degree and presence of a co-signer. These rates are subject to additional terms and conditions and rates are subject to change at any time without notice. For Variable Rate student loans, the rate will never exceed % for 5 year and 8 year loans and % for 12 and 15 years loans (the maximum allowable for this loan). Minimum variable rate will be %.


Benefits of Refinancing


save money



Expenses come at you hard, be proactive by refinancing a high interest rate student loan.




Refinance your federal, private, or parent student loans into one, simple PENZIOX loan.

Quick and easy



Complete the online application. No fees or prepayment penalties.

cosigners and parents



Cosigners can improve your rate. Parents can refinance their loans too!

Chalmer Barker

Boise, ID

You're doing a good job. The vast majority of web sites are more difficult to navigate and use - some are impossible. Your web site, and the process, are very user friendly.

Dennis Willis

Wahiawa, HI

Customer services was excellent...and I deserve the best service.

George Ross


I have been with Penfed for over 30 years and they continue to provide outstanding a timely service. Very customer facing!

Jennifer Olschefski


The membership process was done quickly, and was very easy to complete. Thank you for a wonderful experience, and I would highly recommend to family and friends.