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
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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
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% 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
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% APR
Term
Credit Tier
Variable Rate*
Fixed Rate*
5 Years
Tier 1
N/A
3.39% APR
5 Years
Tier 2
Prime
3.89% APR
5 Years
Tier 3
Prime + 0.50% APR
4.29% APR
5 Years
Tier 4
Prime + 1.50% APR
5.39% APR
10 Years
Tier 1
N/A
4.19% APR
10 Years
Tier 2
Prime + 0.25% APR
4.39% APR
10 Years
Tier 3
Prime + 0.75% APR
4.69% APR
10 Years
Tier 4
Prime + 1.75% APR
5.39% APR
15 Years
Tier 1
N/A
4.39% APR
15 Years
Tier 2
Prime + 0.50% APR
4.49% APR
15 Years
Tier 3
Prime + 1.00% APR
4.89% APR
15 Years
Tier 4
Prime + 2.00% APR
5.49% 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 8, 2021 and are subject to change. The rate for the variable rate loan is based on the average of the Prime Rate, as published in The Wall Street Journal on the first of each month for the last three months immediately preceding the quarterly adjustment date, which is currently 4.75%. If the first day of the month is not a business day, the preceding business day will be used. The rate is calculated each quarter by adding the average of the Prime Rate to the margins listed in the rate table above.
Credit tier based on factors such as credit history and credit score.
Many people know the importance of establishing and building credit and using it wisely, so they have good credit. While there are many tips and resources to learn how to manage credit, reduce debt and increase their scores, the types of credit available to them and which are best suited to their needs can sometimes be overlooked.
Credit and loans can be helpful tools on your financial journey, but ones that require you to proceed with caution. A study from WSFS Bank of 2,005 Americans between ages 18-40 found that 78% of respondents said they weren’t good at maintaining good credit.
These days, consumers are not short on options for their borrowing needs. Whether remodeling a home, buying a boat, consolidating debt, paying for a wedding or simply looking to establish and build your credit history, there are loan products designed for various uses and with terms that can help fit many budgets.
