How To Refinance Student Loans With Bad Credit: A Complete Guide
When refinancing your student loans with bad credit, consider applying with a cosigner or waiting a few months to improve your credit score.
Written by
Freelance writer
Erin Gobler has covered personal finance for more than 10 years, with expertise on mortgages, student loans, and credit cards. Erin's work has been featured by Fox, Business Insider, GOBankingRates, Newsweek Vault, and CNN.
Written by
Renee Fleck is a student loans editor with over six years of experience. Her work has been featured in Fast Company, Morning Brew, and Sidebar.io, among other online publications. She is fluent in Spanish and French and enjoys traveling to new places.
Written by
Kelly Larsen is a student loans editor at Credible. She has spent over 10 years covering personal finance, with expertise in mortgage and debt management.
Updated April 16, 2025
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
