PGYield compares loan options (federal repayment plans, refinancing, physician mortgages, FHA and conventional loans) using rates and terms you enter. We don’t rank or recommend specific lenders.
Referral fees
PGYield doesn’t currently earn referral fees or any other compensation from lenders, refinancers or loan servicers. No lender pays to appear on the site or to change a result.
If that ever changes, we will:
- Say so on every page that names a lender, next to the lender’s name.
- Say how much or how we’re paid, in plain words.
- Keep the math the same whether or not a lender pays us.
- Update this page first.
Refinancing federal loans
Refinancing federal loans into a private loan permanently gives up federal protections, including income-driven plans and Public Service Loan Forgiveness. The calculators show that trade-off, but the decision is yours.
Last updated September 25, 2026