New! Private student loans now available.   Explore loan options ›
We're here for you
A Message From Our CEO

We recognize that your lives are disrupted by the pandemic. Our team may be working from home just like everyone else, but we are dedicated to maintaining strong customer support levels and helping everyone who desires to refinance as best we can.

Splash operations will continue as usual. We appreciate your patience as we handle the increase of daily calls and emails. To help you during this national disaster, we have worked with our lending partners to significantly reduce rates so you can lock in savings. As always, you can check your rate without affecting your credit score, and there are no fees to refinance.

We hope you stay safe and healthy throughout this challenging time. Our purpose remains the same: to help you with your student loans.

If you need assistance, we're here for you - ready to help and answer as much as we can.

—Steven Muszynski, CEO
Common Questions Related to COVID-19

We will update the information here as the situation evolves.

Although your payments will likely resume in 2021, you may be able to pay less on your loans by refinancing. Our rates are currently at record lows. Keep in mind that loans refinanced through a private lender are ineligible for federal benefits. Please feel free to call us at 1-800-349-3938 if you have questions, or you can simply check your rate without affecting your credit score.

What happens when federal student loan relief ends?
Federal student loan payments and interest rates will return to what they were prior to March 13, 2020.

What actions has Splash taken to help during the COVID-19 national disaster?
We recognize that the government's relief efforts only support those who have federal student loans. We want to be on the front-line to support people who have private loans as well. As a result, we have lowered our rates to historic levels during the national disaster to help people lock in savings for the life of their loan. Feel free to check your rate with no impact to your credit score.

I've been impacted by COVID-19 and can't make my payment. What do I do now?
Please reach out to us if you need assistance during this difficult time - we're committed to helping you. Our customer service team and our lending partners will work with you on an individual basis to attempt to put you on forbearance, waive fees or take other action to find a path forward that fits your situation.

If I refinance today, will my rate ever change?
It always depends on the type of rate you choose. If you refinance today to a fixed interest rate, you lock in the rate for the life of your loan. That means you would have a reliable monthly payment that doesn't fluctuate. If you refinance today to a variable rate, the rate does have the ability to change based on market conditions.

What happens if I refinance now and then rates change?
If you refinance today and then rates soon change, there is no penalty or fee to refinance again. You are welcome to refinance again because there is no limit to the number of times you can refinance your student loans. However, if it’s been 30 days since your previous refinance, refinancing again may impact your credit score because it will require another hard credit pull.

Questions? Please reach out to us.
Our hours are Monday through Friday, 9AM-9PM EST.