Student Loan Refinancing 

Good news! We have partnered with CommonBond to help you save on student debt.


No origination fees and no pre-payment penalties


Rates starting at 3.19% APR (with autopay)

"Customer service folks were generous with their time, information and friendliness. This lower payment is really going to help my family so much!"

Elizabeth K.

How to Refinance Your Student Loans Through CommonBond

Fill out a simple form (~2 mins)

  • One form to access options from our top lender

  • Checking your rates won't affect your credit score

  • Your information is not shared with lenders at this point


Choose an option that's right for you (~2 mins)

  • Easily compare your prequalified options in one place

  • CommonBond offers tools to quickly find a plan that's right for you


Provide your loan information (~3 mins)

  • CommonBond provides an easy import tool to add your loans.

  • Provide some additional details about yourself 


Join the thousands of others who have already saved by refinancing.

Questions about CommonBond?

What is CommonBond?

Launched in 2011, CommonBond was founded by people just like you who felt the pain of the student loan process – high interest rates, poor service, and a confusing process – so they started CommonBond to provide affordable educational products with best in class customer service.

How can I contact CommonBond?

Sometimes it’s nice to talk to a real person. CommonBond has a U.S.-based care team that is available by phone and live chat Monday–Friday, 9am–8pm EST, and you can email them anytime. 800.975.7812

Why did apay decided to partner with CommonBond?

Reason 1: They care! Simpler, smarter student loans is their approach. CommonBond has a track record for putting you first. By offering low rates and a simple process, they make achieving your financial goals easy. Reason 2: ...well again, they care! Every time they fund a loan, Commonbond covers the cost of a child’s education through their Social Promise. CommonBond partners with Pencils of Promise to provide schools, teachers, and technology to thousands of students in the developing world.

Does CommonBond offer Income-based Repayment Plans?

CommonBond does not offer income-based repayment plans at the moment, but they fully recognize the importance of flexible repayment terms. As of right now, refinance loans carry standard terms around loan forbearance in case of financial hardship. Situations are reviewed on a case-by-case basis. If an income-based repayment plan is of interest to you, and you have existing federal loans, you may prefer to keep those loans to take advantage of special government programs such as income-based repayment.

Where do I go to see the payments I have made? Can I make payments online?

CommonBond uses a company called Firstmark to accept payments for your loan. You can definitely pay online and you’ll receive all information regarding any other payment methods from Firstmark once you officially accept your loan. If you have any questions about servicing, please reach out to the Care Team at or (800) 975-7812.

DISCLAIMER: Offered terms are subject to change and state law restrictions. Loans are made by CommonBond Lending, LLC (NMLS # 1175900). CommonBond is not affiliated with the school you attended or are attending. None of the information contained in CommonBond's website constitutes a recommendation, solicitation or offer by CommonBond or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.