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7 Best Companies to Refinance Your Student Loans in 2017

Updated May 30, 2017

If you’re tired of making sky-high interest rate payments, student loan refinancing may be a good option for you. Refinancing saves you money by replacing your existing student loans with a new, lower-rate loan.

To qualify, you need credit in the mid-600s or higher and a steady income, or access to a co-signer. Student loan refinancing is not the same as federal consolidation. Learn more on our refinance FAQ page .

The best refinance lender for you depends on your priorities. Borrowers often look for the lowest interest rate possible, but it’s worth checking out the various features each lender offers. See our reviews for the full details.

Student loan refinance options

Average
credit
score

Eligible loan balances

*All APR ranges include a 0.25% autopay discount if available

CommonBond

$10,000 to $500,000

$5,000 up to the full balance of your student loans

$5,000 up to the full balance of your student loans

Citizens Bank

Undergrads: $10,000 to $150,000

$15,000 to $250,000

Refinance lender details and reviews:

Elfi

  • Type of lender: Online only
  • Loan servicer: Mohela
  • Deferment or forbearance available: Yes
  • Co-signer release available: No
  • Why it stands out: Elfi offers some of the lowest rates in the market
  • Read more about Elfi

Earnest

  • Type of lender: Online only
  • Loan servicer: Earnest
  • Deferment or forbearance available: Yes
  • Co-signer release available: No option to apply with a co-signer
  • Why it stands out: The interest rate is customized based on your preferred monthly payment
  • Read more about Earnest

CommonBond

  • Type of lender: Online only
  • Loan servicer: Firstmark Services
  • Deferment or forbearance available: Yes
  • Co-signer release available: Yes
  • Why it stands out: You can refinance a parent PLUS loan in your name
  • Read more about CommonBond

SoFi

  • Type of lender: Online only
  • Loan servicer: Mohela
  • Deferment or forbearance available: Yes
  • Co-signer release available: No
  • Why it stands out: You can get access to career coaching services
  • Read more about SoFi

Purefy

  • Type of lender: Online only
  • Loan servicer: PenFed Credit Union
  • Deferment or forbearance available: Yes
  • Co-signer release available: Yes
  • Why it stands out: Married couples can refinance their loans together
  • Read more about Purefy

DRB

  • Type of lender: Traditional bank
  • Loan servicer: Mohela
  • Deferment or forbearance available: Yes
  • Co-signer release available: Yes
  • Why it stands out: There’s no limit on the loan balance you can refinance
  • Read more about DRB

Citizens Bank

  • Type of lender: Traditional bank
  • Loan servicer: Firstmark Services
  • Deferment or forbearance available: Yes
  • Co-signer release available: Yes
  • Why it stands out: You can refinance even if you didn’t graduate
  • Read more about Citizens Bank

When to consider student loan refinance alternatives

You ll use federal loan repayment programs

When you refinance a federal student loan, a lender pays it off and issues you a new, private loan. That means you can’t repay the refinanced loan on an income-driven repayment plan. postpone payments using deferment or forbearance. or get loan forgiveness for working in public service. Only refinance your federal loans if you don’t plan to take advantage of these programs.

You don t meet the requirements

At a minimum, lenders want to see that you have a stable job and a steady income, that you use credit responsibly and that you’ve been in the workforce for a little while. Some lenders also prefer customers who have graduate degrees, especially if you have a lot of debt. This means refinancing isn’t an option for graduates who are struggling to pay their student loan bills.

More on student loan refinance

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#interior design boston

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Art Deco Design in a historic home Inspired by the carved alabaster fireplace brought back from Egypt in 1932, we created an Art Deco interior design scheme with Neoclassical/Egyptian Revival Roots. Notice the set of three black lines on the edge of the luxurious silk draperies- our interpretation of “speed lines” – a pattern of [ ]

Nature Inspired Home This expansive home built in the tradition of Frank Lloyd Wright was the right setting for discerning clients who appreciate beautiful materials infused with artistry. Click to view this project. Built for a primitive artwork collection This client has an affinity for primitive art works. Designing a room to showcase their collection [ ]

Architectural Elements Architectural elements such as trim work and moldings, columns, fireplace mantels, and built-in cabinetry can add character and richness to a room. It can also alter the overall style of the space and make it more efficient. Here are a few of the architectural elements Boston Design and Interiors Inc. often implements as [ ]

Visual Connections Making visual connections is a part of the craft of Interior Design. We design and create custom railings, floor inlays, and tile lay-outs for functionality and aesthetic purposes. Used individually or together these visual elements can transition space and pull numerous design components together for a more cohesive interior. In this addition we [ ]

A Fireplace the time to set a style Fireplaces are often the focal point of a room. They can define the style of a room as well as an entire home. If you are designing a fireplace in a new home or if you are renovating an existing space there are many design elements to consider. [ ]

A Place for Things the time for built-ins There are times when built-ins will more aptly serve the homeowners and the space rather than using free-standing furniture. Both the style of the rooms and the need for display and storage spaces are carefully balanced in our designs. In this room a built-in was designed with a [ ]

Classic Contemporary In this new home the client wanted a contemporary look without using hard-edged geometrics. Donna Terry won the Designer Showcase Award for Best Dining Room sponsored by the International Furnishings and Design Association and Design New England Magazine. This award celebrates exceptional interior design by an individual or firm. Click to view this [ ]

English Style Living Room with a Twist The client said: I want to feel like I am living in a Jane Austin novel but we still need the big screen and surround sound. Click to view this project Children s Wing of a Grand Mansion Check out the butterflies on the custom rug designed for one [ ]

A 1925 Kitchen with Modern Amenities: This house was built in 1925 with house plans from a Sears and Roebuck Catalogue. You can see the completely remodeled kitchen has retained its character. Click to view this project. Art Deco Influence: The custom designed butterfly bed is the centerpiece of this elegantly inviting Art Deco bed [ ]

Arts and Crafts Home The Arts and Crafts concept for this home was created using rectilinear form with other stylized nature inspired motifs. Click to view this project. A Public Library in Progress With a deep appreciation of the historical significance of the stained glass windows produced by Donald McDonald, the works of William Morris [ ]

Welcome to Boston Design and Interiors, Inc.

“We create an interior design that is uniquely yours- the way you always imagined it would be.”

About Us

Who We Are

Donna Terry is the lead interior designer and CEO of the company. She is known for her ability to apply her expansive knowledge of interior styles in everything she designs, her deeply rooted professionalism and her sincere concern for the client’s satisfaction. Having grown up immersed in the New York Theatre scene. Read More About our C.E.O.

What We Do

We create beautiful home environments in which one can flourish and be happy. The design process is not just a transformation of the home but a carefully crafted expression of the client’s personality and desires. Read More

Why We Do It

We are driven by design in all things. What is modern today will be a thing of the past tomorrow — What will remain classic, are the designs of yesterday that will continue to evolve in our contemporarary world.





#software interior design

#

Home Designer Interiors 2015 Review

PROS / Home Designer Interiors has an object library with more than 4,800 items.

CONS / This software has few deck-building tools.

VERDICT / Home Designer Interiors is an efficient interior home design application that helps you create plans to renovate any living space.

Editor’s note: A newer version of this product is available. We will evaluate, rank and review the new version of this product when we next update the Interior Design Software reviews.

Something as simple as a new throw pillow can wake up a room and give you your interior design fix, but if you are ready to completely redecorate, Chief Architect Home Designer Interiors is a smart first purchase. This interior design software will ensure you like the rest of your home makeover purchases by letting you see how everything looks before you buy. This Top Ten Reviews Gold Award winner will allow you to recreate your home’s floor plan digitally and insert new wall, floor and furniture colors and textures before you make any drastic changes to your actual home.

Design Tools

Home Designer Interiors offers accurate and attractive digital mock-ups of your current or future home in both 2D and 3D. You can even virtually travel around in your plan with the 3D walkthrough features or get the still image you need by specifying the angles from which to view your virtual room. The interior and exterior lighting recreations make the views even more realistic because you will be able to see where shadows fall. You can even adjust settings so that mirrors offer accurate reflections and light appears to come through windows, the way it does in your actual home.

This home interior design software offers a robust selection of objects and materials, but you can also take your digital camera images of textures and colors you like, import them, and apply them to walls, floors or anything else to get exactly the effect you want. It is unlikely you will ever need to do that, at least for wall coverings, because the program comes with a vast selection of paint colors from both no-name and popular brands like Benjamin Moore, Behr and others.

If you like the color and texture on an existing piece of furniture or other surface, you can use the eye dropper tool to sample it and then apply it to any other surface you want. You can borrow colors and textures from websites and even blend two different borrowed colors until you have exactly the shade you want before applying it to surfaces in your virtual home.

One of the advantages to using this interior design software is its outstanding viewing options. You can create a 3D model of your home design and view it in a final, dollhouse, glass house or watercolor view.

If you want to remodel rather than rebuild, Home Designer Interiors has what you need. You can create new rooms or additions by removing or adding walls, windows and doors. You can designate the size of these rooms and additions with specific dimensions.

Design & Construction

Aside from a bit of a learning curve when trying to use the camera angle tools, this 3D interior design software is easy to learn and use.

This application lets you design windows and doors and choose moldings and window coverings. It has automatic floor plan dimensioning and customizable room templates. It also allows you to plan for the more practical elements, including electrical, heating, plumbing and air conditioning. You can insert staircases too with just a few clicks of the mouse.

Budgeting for your projects is possible with this house interior design software’s built-in materials list. You can perform calculations for cabinets, windows, countertops, hardwood and carpet. These materials are available to you during the design process with the built-in objects library. Once your remodel is finished, you can generate a virtual tour.

Object Libraries

With the enormous array of objects and materials to choose from, the aesthetic appeal of this software is outstanding. When you’re decorating a room, Home Designer Interiors’ pre-arranged furniture groupings can help you better plan the space. You can choose from a variety of furniture styles and add accessories to rooms to make them unique.

There are more than 4,800 objects in the objects library, and the materials library boasts more than 30,000 design materials. You can choose from varied appliances, bathroom fixtures, cabinets, doors and fireplaces.

This software offers a host of flooring options, light fixtures, stairs, railings, windows, furniture and even houseplants. It also offers handicap-accessible materials and objects.

The program does not include exterior furniture for patios, porches and lawns. Since many people regard those areas as outdoor rooms and very much a part of the house, that could be a drawback.

Help & Support

Chief Architect Home Designer Interiors offers a comprehensive online manual and tutorials to help you learn to use the software. Chief Architect provides an impressive array of tutorial videos, which can help you in all aspects of the software. There is a wide assortment of how-to articles to help you get the most from this software, and community forums offer product training and provide tips and input from other users. Customer support is available by live chat, email and telephone.

Summary

Chief Architect Home Designer Interiors is excellent software for anyone looking to design or redesign any room in their house, and for larger projects. It offers all the features and design tools necessary to design elaborate or simple home d cor. The software lacks many of the tools you will need to create outdoor rooms, but those are not necessary to create serious and comprehensive interior designs to renovate, remake and remodel your home. Home Designer Interiors is a powerful application that will allow people of all skill levels to create beautiful rooms and homes.





#american interior design

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Your living room should be a welcoming space, whether you’re entertaining guests or relaxing on your own. This is a room where your decor speaks deeply to your sense of style, be that bright and modern, or warm and richly textured. Choosing the right furnishings can be the key to a living room that makes you feel at home.

Your bathroom isn’t a necessity – it’s a sanctuary! Let us help you turn your space into a luxurious getaway with the right furniture and the right look.

Have you got a kitchen that works against you, not for you? If so, it could be time for a redesign. From linens to furniture to the appliances that make everyday kitchen chores easier, we’ve got everything you need to start your dream kitchen today!

Too often we neglect our bedroom decor to tackle more visible rooms in the house. So why not use this redesign to reclaim your space? From luxurious bedding to functional furniture, find what it takes to fall asleep in the bedroom of your dreams.

Great decor starts from the ground up. Flooring should provide the foundation of a room, it should also complement the fixtures and decor. Don’t forget to budget for what’s underfoot!





#

Home Equity Loans

Home Equity Loans

Your Home is your most valuable asset and the most economical method of borrowing. Get a PFFCU Home Equity Loan (Second Mortgage) and enjoy Great Rates, Service and More!

  • No Out-of-Pocket Expenses – No application fee, no closing costs 1 and no points!
  • Finance up to 80% of the total LTV of your primary home 2. for up to 20 years, for a maximum of $600,000.
  • Finance up to 100% of the total LTV of your primary home 2. for up to 15 years, for a maximum of $50,000.
  • Terms as short as 5 years and as long as 20 years with low fixed rates. Typically, the longest term will offer the lowest monthly payments.
  • Save with tax-deductible interest. Consult your tax advisor for details.
  • Enjoy a 1/4% discount with automatic payment. 3
  • Estimate your payment with our fixed-rate mortgage payments Monthly Payment Calculator.
  • You can close your Home Equity Loan (Second Mortgage) at any of our conveniently-located branches .

Applying is easy and takes only about 10 minutes. Apply Now. »
If you prefer, you can apply by calling 800-673-1836, or visiting any PFFCU branch. Apply during regular business hours and you’ll receive a loan decision within one business day.

For Personalized Service, apply for your PFFCU Home Equity Loan (Second Mortgage) six-days-a-week in person or by telephone. Visit any of our conveniently located branches in Philadelphia, Bucks County and Montgomery County, PA and NJ for all of your financial needs. Members in Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall.

Not near a branch? Contact our Call Center at 800-673-1836 and one of our knowledgeable Telephone Member Service Representatives can guide you through your Home Equity Loan application process.

PFFCU has conveniently located branches in Philadelphia, Bucks County and Montgomery County, PA and NJ. Members who live, work or travel in Mt. Laurel, Cherry Hill and Washington Township can stop into our two NJ branches to get a Home Equity Loan (Second Mortgage). Our Moorestown Mall branch on Lenola Road, across from Macy s, is easily accessible from Mt. Laurel and Cherry Hill. Members in the Washington Township area enjoy the convenience of our branch on Rt. 42.

Come to PFFCU for the best home equity loan rates in Bucks County, PA, Montgomery County PA and best home equity loan rates in Cherry Hill, Mt. Laurel and Washington Township, NJ.

PFFCU is the best source for a home equity line of credit in Mt. Laurel, Cherry Hill and Washington Township, NJ. And the best source for a home equity line of credit in Bucks County and Montgomery County PA.

Loan Protection Insurance 4

Credit Life Insurance is designed to pay off the loan if the borrower dies; while Credit Disability Insurance takes over the loan payments if the borrower becomes disabled. Certain restrictions apply.

For more information, call us at 215-931-0300 or 800-228-8801.

How To Calculate Your Loan-to-Value (LTV) Ratio

Add your loan amount and the amount of any outstanding liens on your property. Divide the total by the appraised value of your home. The result is your Loan-to-Value (LTV) ratio. Your LTV will be a factor in determining your interest rate and how much you can borrow.

  1. $250 is charged for the appraisal of an investment property. $100 is charged if you choose an appraisal upgrade.
  2. Single-family owner-occupied vacation properties have a maximum loan-to-value (LTV) ratio of 80%. Investment properties have a maximum loan-to-value of 70%, and must be owned for a minimum of 24 months.
  3. The Annual Percentage Rate (APR) you will receive will depend upon loan amount, term of the loan, Loan-to-Value (LTV), and credit score. The stated rates for loans up to 80% reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE. Automatic payment required for loans with greater than 80% LTV.
  4. Loan protection insurance is optional and is not required to be approved for a loan.

Call Us with Questions





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High Performing Insurance Leads and Calls

Tuesday, September 13, 2016 1:22:00 PM

  • Get Started Quickly – No contracts or upfront deposits.
  • Highest Quality – We specialize in premium leads and calls and place strict caps on the number of times a lead can be sold.
  • Custom Targeting – Advanced filtering capabilities allow you to hit your target market every time!

Not all insurance leads are alike! Unlike traditional marketing techniques, AWL has developed a proprietary platform based on a highly data driven “closed-loop” architecture in order to optimize performance and add value across the entire consumer buying workflow — from initial search to successful policy binding. Our Customer Acquisition Marketing platform is able to bring agents together with high-intent, qualified consumers that are actively searching for the insurance products you sell!

  • We find customers as they are online searching for insurance products – Our Customer Acquisition Marketing platform intelligently connects with high intent consumers through a variety of methods including search engine marketing (SEM), search engine optimization (SEO), email, display advertising, and social media marketing. Consumers use our service because they desire a comparison shopping experience.
  • Agents use our online portal to target the highest quality leads and calls – Add and change insurance lead profiles at any time. Target by geography, demographics and policy types.
  • Insurance leads and calls are delivered in the form that best meets the needs of your sales model – Leads (consumer data) and Calls (qualified live transfers) can be delivered via online portal, email, phone and integration with lead management systems. Industry-leading quality, reliability and value.

Discover Insurance Leads and Calls that Make a Real Difference

Insurance leads and calls can be as varied as the customers in search of coverage. For an agent, high quality, high-intent leads and calls are critical to success when competing with other insurance companies. Our customer acquisition marketing platform is far different from the lead aggregators in the marketplace. AWL understands the technology and processes required to attract, engage with and qualify prospective consumers for our customers. 24/7 online account access to premium leads and calls as well as email/text notifications increase your chances of success and sales. Join thousands of agencies that understand the power of AWL.

High Intent Insurance Leads and Calls for Agents

When you seek out premium leads and calls, no one outperforms AWL. Our unique approach to customer acquisition marketing — which encompasses the entire marketing and sales funnel – gives agents control over the insurance leads and qualified calls they receive. Agents have access to AWL’s industry leading premium leads — Premium Prospect Leads and Qualified Prospect Leads. where they can connect with high-intent consumers that are seeking the coverage they provide. Because of our high search engine visibility and data- driven predictive models, consumers are connected with our customers only when they are actively searching for insurance. Highly effective insurance leads and calls allow you to increase close rates and achieve a new level of success.

Targeting and Qualifying

Our unique premium insurance leads and calls allow agents to target consumers so that they can focus in a specific location or make use of other demographic filters. With hundreds of available filters, you can eliminate prospects looking for coverage you don’t provide. With our Qualified Prospect Leads and Qualified Concierge Calls. you are guaranteed that consumers have been contacted and their request validated by an AWL call center agent. The verification of these insurance leads means you only connect with consumers when they are looking for quotes. You’ll receive insurance leads directly via your email, mobile device, and/or lead management system.

Online Account Management

AWL makes the most of the latest technology in the field. Our technology-driven approach to insurance leads and calls allows us to stand out. With a capacity to deliver millions of insurance leads and calls, your agency will have unlimited sales potential when you choose AWL. With online account management, keeping track of your leads and calls is simple so you are always able to create and manage, in real-time, highly targeted profiles. AWL simplifies the process of finding high-intent consumers allowing you to focus on what you do best.

Top-Notch Customer Service

Unlike other companies, AWL offers a no deposits and no contracts account setup. Given our industry leading Account Management team, you’ll have everything you need to make the most of your leads and calls. Let us connect you with consumers so that you can find your way to a new level of success. Don’t rely on expensive or ineffective lead aggregators. Count on the industry leader for your insurance lead and calls. Sign up for your account today and start reaping the benefits of AWL.





#condominium interior design

#

Bean’s Interior Concept brings you the most avant-garde unique Malaysia interior design.

Bean s Concept Interior understands that every design should be unique and personal, thus we cater our clients to match their Interior Home Decoration to be completely individual in nature as well as outcome. Attentive and thorough understanding of our clients lifestyle, style preferences and needs are the most vital characteristics possess by our personalized interior designer in order to deliver their expectations at the best possible cost. As the Interior Design Company in Malaysia, we adhere that our Interior Designer specialists are highly experienced and have a sense of artistry and pragmatism with sound technical knowledge to your brief to come up with the most suitable Interior Home Decoration for you.

In Bean s Concept Interior, we take to heart to deliver the highest quality and breathtaking Malaysia interior design as our way to value our clients. Before the project execution, we usually would carefully plan and thoughtfully sketch so that the spaces that we create are sophisticated and timeless that can be tailored to fit any budget. And this is why we are the best interior design company in Malaysia.

Cater to your interior home decoration needs flawlessly ● only from the best interior design company in Malaysia





#interior design accessories

#

Interior design ideasby Madeindesign

Are you bored with you current home decoration? Are you looking for new interior design ideas . Made In Design has the solution. We offer decoration ideas for every room of your house. Our products, available on the website, are designed to make you feel better at home and you can find everything you need according to your style. Candles, clocks, mirrors, cushions Our large range of quality products is composed of well-known brands from home decoration designers. We have selected for you the best ideas for your home. Have a look at our Decoration Section you won t be disappointed!

Your interior deserves the best decoration. You are not like everyone else and your home is not either. You will be able to find perfect home d cor ideas on our website. It s time to give your home the little plus that it needs. Have a look at our home d cor accessories. Stickers, plants, boxes, candles discover everything you can shop to make your home feel cosy and design. What is better to get home after a long day of work and feel good at home? Whatever your style and budget are, you will find what suits you best in our large selection of products. That is what we want to provide you by Made in Design. Treat yourself and find out what we offer on our Decoration Section!

Decoration

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Newsletter offer: 10% discount for all orders over £70 when you register to our newsletter, just go on the newsletter subscibe page. This offer is available on all items excluding the shipment costs and excluding the following brands: AA new design, Alias, Antonangeli, B
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#interior design software download

#

Home Designer

Home Designer Products

Home Design, Interior Design and Landscaping Software

Home Designer by Chief Architect Software is the best house design software tool for DIY home design, interior design, remodeling, and outdoor living projects. Home Designer products leverage the professional technology from Chief Architect – the architectural software of choice for residential design professionals. See our Samples Gallery to view example projects.

Home Designer Interiors

Home Designer Suite

Home Designer Architectural

Home Designer Pro

Chief Architect Professional Line

Chief Architect Software is the leader in the architectural home design software market with its professional home design product line Chief Architect for builders, designers and architects. The Home Designer product line offers the most powerful, fun and easy to use DIY software for home design and interior design projects.

All products are fully compatible with the Chief Architect Professional product line.

Which product is right for you?
Review our product comparison matrix

When you purchase, you can download or purchase a DVD. For those that download, a backup DVD option is available.

Home Designer can be installed on a Mac or PC. The software license allows you to run on a single computer with the ability to activate and deactivate the license for easy portability between multiple computers. Please refer to the software License Agreement for more detail.

LEARN MORE





#interior design accessories

#

Interior Design Accessories Home Design Photos

Take into account both a design-related education and professional certification to get the fullest picture of your interior designer’s qualifications. Schumacher, for example, has a bachelor’s degree in interior design from Colorado State University, studied universal design at the Graduate School of Design at Harvard University and is an allied member of the American Society of Interior Designers .

Tiffany Brooks, HGTV Host & Interior Designer

Marcel Page Photograpy What we did: Outlined the furniture plan for the entire condo and then made sure everything came to life the way it was supposed to on paper. Reworked the color scheme for the space and repainted: We refreshed her kitchen by selecting a vibrant color backsplash. The peanut butter colored walls in the office room just had to go. Nobody could work in th. More