Student Loan Refinance Terms Scanner

Analyze student loan refinance terms for federal benefit loss, variable rate traps, and cosigner release conditions.

SoFi Earnest Laurel Road CommonBond

Student Loan Provisions I Check First

Refinancing federal loans means losing critical protections. Know exactly what you're giving up.

Federal Benefit Forfeiture

High Risk

Refinancing federal loans means permanently losing income-driven repayment, PSLF eligibility, and federal forbearance options.

Critical: Once refinanced to private, you can NEVER get federal benefits back.

Variable Rate Escalation

High Risk

Variable rates can increase with market rates. A 4% rate could become 9%+ over a 10-year term, adding thousands in interest.

Look for: "Rate may adjust based on [index] plus margin of [X]%."

Cosigner Release Barriers

High Risk

Cosigner release requires 24-48 on-time payments AND a new credit check. Many borrowers never qualify for release.

Look for: "Cosigner release available after [X] payments and credit re-evaluation."

Death/Disability Discharge Limits

High Risk

Federal loans discharge on death or disability. Private loans may pass to estate, cosigner, or have restrictive discharge requirements.

Look for: "In event of death, remaining balance due from estate or cosigner."

Autopay Rate Discount Catch

Medium Risk

0.25% autopay discount lost if you ever switch payment methods. One failed autopay can remove the discount permanently.

Look for: "Discount may be removed if autopay is cancelled or payment fails."

No Hardship Forbearance

Medium Risk

Private lenders offer limited or no forbearance. Job loss or medical emergency? You may still owe full payments.

Look for: "Forbearance at lender's discretion" or "up to [X] months lifetime."

Scan Student Loan Terms

Paste refinance offer terms to identify what protections you'll lose.

Scan Results

Need Refinance Guidance?

Schedule Review — $125/30min

Schedule a Consultation