A BETTER ALTERNATIVE TO

Private Student Loan Refinancing

Our team of experts supports distressed borrowers and their co-borrowers with payment plans that fit their current financial situation --regardless of creditworthiness.
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OUR MISSION

Let's get you back on track.

Financial challenges can impact anyone so we've made it our purpose to make the refinancing process a positive and uplifting experience. Our pro-borrower offerings can help you transition to the next chapter of your life with confidence.

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Loan Refinancing

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Low Interest, Fixed-rate Loans

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Relief regardless of Credit History

Loan Refinancing

Low Interest, Fixed-rate Loans

Relief regardless of Credit History

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HOW IT WORKS

If you've been turned down by other lenders, we're here to help.

Check your rate without impacting your credit.

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Get your rate and pre-qualify in minutes.

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Complete a secure, online application.

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Start Saving Now!

$1.727 trillion total student loan debt in the United States

$39,981 average student loan balance (including private loan debt)

Source: Education Data Initiative

$128.8 billion is the national private student loan balance

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Trusted by Customers Like You

Real experiences from real people. See why borrowers trust Alt Lending to help them reach their financial goals.

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Ashley Mojica

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My experience has been amazing and it was so smooth with Alt lending! They made sure I knew my dates and the amounts and there was no issues whatsoever which is rare now days. I appreciate their efforts with assisting me and am glad I can continue to work with them during the duration of my loan. I worked with Lavender and she made the process so easy for me. Thank you for your help!
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Dimitri Browne

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Alt Lending made my refinancing experience smooth and stress-free. Lavender was professional, transparent, and always available to answer my questions. She walked me through every step and made sure I understood the process. I truly appreciate the great customer service and would definitely recommend Alt Lending to anyone looking to refinance. Thank you so much Lavender I appreciate you 🫶🏾🙏🏾
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K E

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Alt Lending really worked hard into refinancing my private loans to make a lower APR and consolidated all my loans into one. Thank you Alt Lending and Lavender was an amazing employee to work with.

A brighter, more secure future is just around the corner.

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Guides & Updates

Stay up to date with the latest news on educational debt, budgeting, and financial advice.

Planning Major Purchases Without Creating Financial Strain

Alt Lending LLC -  
12 August 2026
Buying a home, purchasing a vehicle, paying for a major renovation, or making another significant purchase can be an exciting milestone. But large purchases can also put pressure ...

Renting vs. Buying: Making the Right Choice in Today’s Market

Alt Lending LLC -  
12 August 2026
The decision to rent or buy a home has never been purely about comparing a monthly rent payment with a mortgage payment. Today's housing market requires prospective homeowners to ...

How to Evaluate Job Offers Beyond Base Salary and Title

Alt Lending LLC -  
10 July 2026
When evaluating a new job opportunity, it's easy to focus on two things: the salary and the title. While both are important, they represent only part of the overall value of a ...