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There are 11 terms to choose from, starting from 5 years to 15 years.Only a handful of banks and credit unions do student loan refinancing if you'd rather get a loan backed by a bank.Over 44 million college graduates hold student loans.The average borrower has nearly ,000 in student debt.Simplify payments: Many borrowers refinance to make managing multiple student loans easier.When you bring several loans together, you'll only have one monthly payment to pay.This may be a good option if you want to lock in a low interest rate, but can't afford high monthly payments at this time. But remember, that person will be responsible for your loans if you fail to pay. If you'd like to accept a credit union offer, you'll need to become a member, but it's free to join.You can join straight from your Splash Financial account dashboard.

It allows you to consolidate and refinance even while you're still in school.

Up to 20 years deferment Medical and dental residents can defer making full payments while in training and for up to 6 months after. The total loan term including residency, fellowship and grace period can be up to 20 years.

Two borrowers can refi together Married couples (and those in unique situations) can refinance their student loans together into just one loan.

And you can get another 0.25% discount when you enroll in auto payments.

Citizens Bank: This company offers student loan refinancing backed by a bank.