Simplify Your Finances – Consolidate your private and federal student debt into one easy monthly payment.
Refinance as little as $2,000 or up to $125,000 in undergraduate debt or $175,000 in graduate debt.
No origination fee.
Fixed and variable rate options available.
Receive a 0.25% rate discount for making automatic payments from your WSFS checking account.
Interest Rates
Please select your state
so that we can provide accurate rates for your location.
Tiers
Interest Rate
APY
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Tiers
Interest Rate
APY
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
Prime
5.02% APR
5 Years
Tier 2
Prime
5.12% APR
5 Years
Tier 3
Prime
5.32% APR
5 Years
Tier 4
Prime + 0.50% APR
5.72% APR
5 Years
Tier 5
Prime + 1.50% APR
6.52% APR
10 Years
Tier 1
Prime + 0.25% APR
5.52% APR
10 Years
Tier 2
Prime + 0.25% APR
5.62% APR
10 Years
Tier 3
Prime + 0.25% APR
5.82% APR
10 Years
Tier 4
Prime + 0.75% APR
6.22% APR
10 Years
Tier 5
Prime + 1.75% APR
7.02% APR
15 Years
Tier 1
Prime + 0.50% APR
5.72% APR
15 Years
Tier 2
Prime + 0.50% APR
5.82% APR
15 Years
Tier 3
Prime + 0.50% APR
6.02% APR
15 Years
Tier 4
Prime + 1.00% APR
6.42% APR
15 Years
Tier 5
Prime + 2.00% APR
7.22% APR
Promotional Rates
Bonus Rate Information for Qualifying Accounts
^To qualify independently, borrowers must meet underwriting guidelines and are subject to credit review and approval.
*The Annual Percentage Rates (APR) are effective as of December 15, 2022 and are subject to change. The rate for the variable rate loan is based on the Prime Rate, as published in The Wall Street Journal on the first of each month. which is currently 7.50%. If the first day of the month is not a business day, the preceding business day will be used.
Credit tier based on factors such as credit history and credit score.
If you’ve been paying attention to financial news lately, topics such as inflation, rising interest rates and the housing market have been the predominant headlines. While much of the focus on rising interest rates has centered around how potential homebuyers are impacted and why they should act now to avoid paying more for the same home later, consumers should also be looking closely at any current debt and spending habits, too.
Chances are, you’ve seen your home’s value increase significantly over the past year. A white-hot real estate market, fueled by low interest rates and the need for more space for many families, has driven housing demand and values up throughout the country. If you are planning to remain in your current home, this is great news, as its increased value opens several financial possibilities for you to take advantage of still-low rates and rising equity you have in your home.
March is National Credit Education Month, which serves as a good reminder of the importance of responsibly using credit during your financial journey. It is important, however, to remember that building your credit and living within your means should remain in focus throughout the year and not just the month of March. Whether you’re just getting started with borrowing or need a refresher on the basics, here are a few tips to help build and responsibly manage credit for your needs.
