First Republic Student Loan Refinancing

Founded in 1985, First Republic offers private banking, private business banking and private wealth management, including investment, trust and brokerage services. Their services are offered through preferred banking or wealth management offices primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland, Palm Beach, Boston, Greenwich, and New York City. First Republic offers a complete line of banking products for individuals and businesses, including deposit services, as well as residential, commercial and personal loans.

First Republic Personal Lending

1. Personal Lending
2. Residential Lending
3. Eagle Community Loan
4. Student Loan Refinancing

First Republic Student Loan Refinancing

First Republic offers student loan refinancing, a customized solution to help you pay off your student debt faster; so you can focus on your financial future.

Features

• One Simple Monthly Payment- Even if your student loans are from different providers, they’ll all be refinanced into one loan with a single monthly payment.
• Interest Rate- Refinance your student loan with fixed interest rate as low as 1.95% APR, upto 2.95% APR. First Republic interest rates are among the lowest in the country.
• Loan Term- Along with lowest fixed rates, First Republic offers variety of terms to suit your needs.
• Pay off early, get money back- Pay your loan in full within 4 years, and get back the interest paid against your loan, up to 2.00% of the original loan balance.
• No Loan fees- No origination, annual, or prepayment fees on your loan.
• It does not contain special features such as forbearance periods and income-based repayment plans available for student loans.

Benefits

• You get a Personal Banker- With First Republic, you get assisted by a dedicated financial professional, just an email or phone call away. Ready to help with everything from the big picture down to the smallest details.
• No ATM access fees worldwide- With ATM Rebate Checking there are no access fees at virtually all ATMs worldwide. Even better, any access fees charged by other banks are refunded to you.
• Extraordinary Service and Culture- Whether it’s paying off your student debt, buying your dream home, or planning for retirement, First Republic partners with you to customize solutions that meet your financial needs. They work with you when you’re ready.

Application Process

• Find your Rate- With the help of First Republic estimator tool, calculate your rate and choose the term option that works best for you.
• Connect with your Personal Banker- A dedicated financial professional will reach out to discuss your student loan refinancing options, along with any questions or concerns you might have.
• Complete your Online Application- Once you’ve filled out your online application, you’ll need personal verification documents.
• Start Looking forward- If your loan is approved, you’ll meet with your personal banker to complete the account opening paperwork and start experiencing the benefits.

Why should you Refinance your Student Loan?

For borrowers dealing with loan balances in the $40,000 to $300,000 range, student loan refinancing can provide substantial financial and emotional incentives.

• One Simple Monthly Payment- It can be exhausting to keep track of numerous student loan installments, payment dates, interest rates, and various other loan terms and conditions of different lenders. By refinancing your student loans, you can maintain and manage your loan hassle free at a single place with a single point of contact.
• Lower Monthly Payments- For those with good credit history and high credit score, can potentially lower their existing rate by several percentage points, consequently decreasing their monthly payments. You may be able to ease your financial burden substantially with this.
• Decreased Costs due to shorter Term- Student Loan Refinancing lets you revise your loan term. So, those who choose to refinance to a shorter term at a lower rate, benefit from what could be a substantial saving in interest payments over the loan’s duration.
• New Banking Opportunities- As you grow in your career over the years, you will start building assets and wealth. To manage your new found wealth, you will need expert financial knowledge and guidance. By developing a personal relationship with a financial institution now, you can begin to develop a rapport with a private banker, for it will help you when it’s time to buy a house, consider charitable giving options, or invest the wealth accumulated along the way.

About Stilt:

Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

Learn what others are saying about us on Google, Yelp, and Facebook or visit us at https://stilt.com. If you have any questions, send us an email at team@stilt.co.

Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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