The funds will be disbursed directly to your former loan service provider(s). This assures that your former loan balance is fully paid off.

To check the loan rates and terms you qualify for, ICF conducts a soft credit pull that will not affect your credit score.

To check the rates and terms you qualify for, ICF will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue with your application, we will request a full credit report from a consumer reporting agency, which is considered a hard credit pull and will affect your credit.

Loans are serviced by Launch Servicing. Once your refinance goes into repayment, Launch Servicing can be contacted to answer any additional questions. Their contact number is 877-354-2629.

No. A refinanced ICF loan can only be comprised of loans that were previously under one person’s name. This means your spouse can apply separately for refinancing.

Yes! Adding a cosigner may help strengthen your application profile which could result in a lower APR.

Yes. If you default on your loan, your co-signer will be liable to pay it.

It takes only 2-4 minutes to prequalify. When you formally apply for your refinance loan, you will need to upload documents such as your W-2, a color copy of your driver's license, and the pay-off from your current loan(s). Once you have uploaded everything needed for the decision, you generally receive an answer within 24-48 hours.

The ICF autopay discount is an interest rate reduction of 0.25% that is applied by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The autopay discount is available only while your loan is enrolled in autopay.

You do not need to worry. The loan lives on and is tied to the servicer of that loan (Launch Servicing). You will continue to make payments as scheduled through the third-party loan servicer ICF works with.

Yes! We offer refinancing for international students residing in the United States on H-1B or STEM OPT visas starting at 3.40% APR.* Visit our refinancing section to check your rate.

No. Currently, ICF only offers a fixed-interest student loan refinance product.

Yes, ICF will refinance and consolidate all qualified educational loans, including federal Parent PLUS loans and private loans.

We do not offer a grace period.

The minimum amount you can refinance with ICF is $20,000, although state limitations may apply. The maximum amount is $300,000.