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.

Student Loan Defaults and Wage Garnishment: What Borrowers ...

Alt Lending LLC -  
20 January 2026
For millions of Americans, student loan repayment has become increasingly challenging amid rising costs of living, higher interest rates, and lingering financial strain. Now, the ...

Smart Ways to Increase Income Without Sacrificing Work-Life ...

Alt Lending LLC -  
20 January 2026
In today’s fast-paced world, finding ways to boost your income can feel overwhelming especially if you’re already balancing work, family, and personal commitments. While it may ...

Expanding Access to Education: Spotlight on Scholarship ...

Alt Lending LLC -  
1 January 2026
Paying for college continues to be one of the biggest challenges students and families face. While financial aid and federal loans play a major role, scholarships remain one of ...