Intro call • 20 mins
Day 1
20 minutes
Loan advisor assigned
No commitment required
Starting @ 3.99%APRON USD LOANS
Stop overpaying onStudent Debt.
Starting @ 3.99%APRON USD LOANS
Refinance Your Student Loan & Start Saving.
2000+
loans refinanced
10+
countries serviced
SoFi,
ICICI, Axis, Credila, and more
Three paths. One goal.
Refinance Calculator
Tweak the numbers, see savings instantly.
Your current loan
Choose refinance path
New tenure7 YRS
1 yr15 yrs
New rate5.00%
3.99%9.5%
Total savings over loan tenure
$13,474
* USD/INR conversions use $1 = ₹95.44 (rate dated Aug 13, 2026). This is the previous business day's exchange rate, so amounts shown may differ from current market rates.
Your current loan
Choose refinance path
New tenure7 YRS
1 yr15 yrs
New rate5.00%
3.99%9.5%
Total savings over loan tenure
$13,474
New tenure: 7 yrs
Rate: 5.00%
Monthly EMI
$759
$707
Total interest payable
$22,836
$9,362
Total amount payable
$72,836
$59,362
EMI change / MONTH-$52 /mo
* USD/INR conversions use $1 = ₹95.44 (rate dated Aug 13, 2026). This is the previous business day's exchange rate, so amounts shown may differ from current market rates.
KNOW THE PROCESS
4-6 Weeks. We carry most of it.
Day 1 Week 1-2 Documents
Week 1-2Secure upload portal
We chase the paperwork
Bank-level encryption
Week 2-4 Real Offers
Week 2-4Multiple lenders
Compare side by side
No pressure to decide
Week 4-6 Done
Week 4-6Lender handles transfer
Lower payments start
We stay in touch
Success Stories
Pujan
UChicago
Purva
Harvard University
Dhanush Srikanth
Parent
Shilpa
Tejas Khode
Prisicila
UC Berkeley
Srikari
Aditi Dorugade
Akhil Neelam
Abhinaya Murthy
Arvind
Keethana
“It is no longer an upper class dream to come to the United States. I explored my options on GradRight and that is where I found the scholarship that changed everything for me. The platform showed me what I was eligible for, helped me understand the requirements, and made the entire decision simple.”
Vamsi Krishna
Arizona State University · MS in Computer Science
“I know many students like me who struggle to find financing. I truly believed I had no options. This scholarship changed that. It is not a small amount for me, and it has made a real difference in my ability to continue my education.”
Sai Sree Meka
Arizona State University · MS in Computer Science
“I had to make many sacrifices during my studies. I worked part time in a Xerox shop on campus and earned two thousand rupees a month. Receiving this scholarship has eased a huge part of my financial burden and given me room to focus on my education with confidence.”
Anushree Ayyar
Pace University · MS in Human Resource Management
Chakravarthy
United Kingdom · Parent of Aspirants
Vaibhav
United States · Parent of Aspirants
Saibernard
University of Pennsylvania · Master’s in Robotics
“Grad right was the perfect choice for my education loan. They brought best offers in the market and made the process easy to go.”
Gauri Tichkule
United States · Master’s Aspirant
“I had an excellent experience with GradRight, who guided me through the complex process of securing a student loan. Their support was invaluable, and their team was always professional, responsive, and incredibly”
Deena Kumar
United States · Master’s Aspirant
“GradRight provided me with a health insurance plan and I saved $2000.”
Sakshi Soni
University of Virginia
“Akhil saved $10,000 on student health insurance, without losing any of the benefits.”
Akhil
UC Berkeley · Social Entrepreneur
“I took the Elite Student Health Insurance Plan, saved E60K, and got unlimited coverage with 0 deductible and 100% copayment.”
Alapati
Washington University · MS Supply Chain Management
“GradRight helped Mano save $500 with the right student health insurance plan.”
Mano
USC · Electrical Engineering
“I had the best experience with GradRight, they helped me throughout the process and were always available to resolve my queries.”
Tejas Rane
Study Abroad Aspirant · United States
“I had a great experience with the GradRight team. I’m incredibly grateful to Varun for helping me throughout this journey, and to Ayushi for all her support!”
Ramandeep
Study Abroad Aspirant · United States
Pratham
San Jose State University · MS in Software Engineering
Ananya
Washington University · MS in Analytics
Jayashree
United Kingdom · Master's in Public Health
“I had the best experience with GradRight, they helped me throughout the process and were always available to resolve my queries.”
Tejas Rane
Study Abroad Aspirant
David
Washington University
Jharna Bhatt
United States · Parent
Kiyedh
Germany · Master’s in Sustainable Energy
Arvind
Washington University · MS Supply Chain Management
Seshendra
United States · Parent
Pujan
UChicago
Purva
Harvard University
Dhanush Srikanth
Parent
Shilpa
Tejas Khode
Prisicila
UC Berkeley
Srikari
Aditi Dorugade
Akhil Neelam
Abhinaya Murthy
Arvind
Keethana
“It is no longer an upper class dream to come to the United States. I explored my options on GradRight and that is where I found the scholarship that changed everything for me. The platform showed me what I was eligible for, helped me understand the requirements, and made the entire decision simple.”
Vamsi Krishna
Arizona State University · MS in Computer Science
“I know many students like me who struggle to find financing. I truly believed I had no options. This scholarship changed that. It is not a small amount for me, and it has made a real difference in my ability to continue my education.”
Sai Sree Meka
Arizona State University · MS in Computer Science
“I had to make many sacrifices during my studies. I worked part time in a Xerox shop on campus and earned two thousand rupees a month. Receiving this scholarship has eased a huge part of my financial burden and given me room to focus on my education with confidence.”
Anushree Ayyar
Pace University · MS in Human Resource Management
Chakravarthy
United Kingdom · Parent of Aspirants
Vaibhav
United States · Parent of Aspirants
Saibernard
University of Pennsylvania · Master’s in Robotics
“Grad right was the perfect choice for my education loan. They brought best offers in the market and made the process easy to go.”
Gauri Tichkule
United States · Master’s Aspirant
“I had an excellent experience with GradRight, who guided me through the complex process of securing a student loan. Their support was invaluable, and their team was always professional, responsive, and incredibly”
Deena Kumar
United States · Master’s Aspirant
“GradRight provided me with a health insurance plan and I saved $2000.”
Sakshi Soni
University of Virginia
“Akhil saved $10,000 on student health insurance, without losing any of the benefits.”
Akhil
UC Berkeley · Social Entrepreneur
“I took the Elite Student Health Insurance Plan, saved E60K, and got unlimited coverage with 0 deductible and 100% copayment.”
Alapati
Washington University · MS Supply Chain Management
“GradRight helped Mano save $500 with the right student health insurance plan.”
Mano
USC · Electrical Engineering
“I had the best experience with GradRight, they helped me throughout the process and were always available to resolve my queries.”
Tejas Rane
Study Abroad Aspirant · United States
“I had a great experience with the GradRight team. I’m incredibly grateful to Varun for helping me throughout this journey, and to Ayushi for all her support!”
Ramandeep
Study Abroad Aspirant · United States
Pratham
San Jose State University · MS in Software Engineering
Ananya
Washington University · MS in Analytics
Jayashree
United Kingdom · Master's in Public Health
“I had the best experience with GradRight, they helped me throughout the process and were always available to resolve my queries.”
Tejas Rane
Study Abroad Aspirant
David
Washington University
Jharna Bhatt
United States · Parent
Kiyedh
Germany · Master’s in Sustainable Energy
Arvind
Washington University · MS Supply Chain Management
Seshendra
United States · Parent
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Chat with us on WhatsApp. Reply at your own pace.
Case study
Refinance + ₹20 Lakhs Top-Up: How Akshat Funded the Final Stretch of His Monash Degree
GradRight Borrower
A student still studying abroad who not only lowered his existing loan rate but unlocked additional funding to finish h…
No House, No Parents, 670 Credit Score- and a Brother He Needed to Free: How Rajeev Got 4.9% From a US Bank
GradRight Borrower
A deeply personal refinance story- against real odds- that ended with the lowest rate in this entire collection.
Working in London, Paying 14.1% to an Indian NBFC: How Rohan Saved ₹9.2 Lakhs With One Smart Switch
GradRight Borrower
A UK-based professional who refinanced from a high-rate NBFC to a leading bank and immediately lowered both his EMI and…
IIT-B, Dartmouth, BCG- and Still Stuck With Her Uncle’s Property as Collateral. How Mandeep Fixed That.
GradRight Borrower
A high-achieving professional earning $250K who refinanced not for the rate- but to remove collateral, free her uncle,…
Back in India, Still Winning: How Kajal Refinanced at 9.99%, Recovered Insurance Overcharges, and Cut Her EMI by ₹8,400
GradRight Borrower
Refinancing isn’t just for students abroad. Kajal’s story proves that returning home doesn’t mean you’re stuck with a b…
From 13% to 6.4%: How Vandana Saved ₹30-32 Lakhs and Unlocked US Tax Benefits
GradRight Borrower
Working in the US on STEM OPT, Vandana converted a high-interest Indian loan into a dollar-aligned, low-cost US educati…
Returned to India, But Still Paying in Dollars? How Abhijit Ended the Forex Drain
GradRight Borrower
A smart reverse-refinance: moving from a USD loan back to an INR loan after returning home- and saving thousands on for…
EMI Almost Halved, Interest Savings Over ₹63 Lakhs: Shashank’s Leap to a Better Rate
GradRight Borrower
A straightforward refinance that cut the interest rate nearly in half and transformed monthly cash flow.
7 EMI Bounces: A Comeback Story After Multiple Rejections
GradRight Borrower
How a borrower with a messy repayment history turned discipline and persistence into a successful refinance – and a sec…
How a Data Scientist on STEM OPT Cut His Education Loan Rate from 9.5% to 6%
GradRight Borrower
Arjun, a Data Scientist on STEM OPT who refinanced to a US bank and reclaimed thousands of dollars in savings.
Quick answers.
The process involves a few key steps: check your credit score (650+ for India, 700+ for US lenders), compare lenders on fees, tenure, and flexibility, keep documents like loan statements, income proof, and academic records ready, check for foreclosure charges, and apply to one lender at a time. With GradRight, it's even simpler - fill in your academic, financial, and loan information, compare personalized offers from multiple lenders, choose your offer, and let the new lender pay off your old loan.