Student Loan Refinance

Simplify your life and amplify your funds!

Are you juggling multiple costly student loan payments every month? Let Southland help streamline your debt with our student loan refinance solution! Refinance and consolidate both private and federal student loans by setting up one convenient payment and potentially lowering your rate.

Special Offer

No payments and no interest for 3 months and get $250!
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Southland Student Choice Refinance


  • Competitive interest rates 
  • Loan limit up to $50,000
  • Flexible repayment terms to fit your needs
  • No origination fees or prepayment penalties 
  • Easy online application and instant credit decision
  • A relationship with a local, not-for-profit lender you can trust

Want to know how much you can save? 

Calculate your savings

Should I refinance?

Every student loan situation is unique – find out if refinancing could be right for you.

Read the Guide to Refinancing

* By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Read this important disclosure about refinancing student loans.

The CARES Act was passed in response to events related to the Coronavirus pandemic and includes broad relief measures for federal student loan borrowers. If you are considering refinancing your federal student loans, please make sure to review these measures at studentaid.gov/coronavirus to understand your options.

Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.