Darien Rowayton Bank Student Loan Refinance Review

Rating: 8.9 / 10 (Excellent)
2 Customer Reviews - see all reviews
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DRB Student Loan is an FDIC-insured lender based in Darien, Connecticut. One of the largest student loan refinancers in the country, DRB has lent over $1.6 billion to borrowers in all 50 states. The bank specializes in refinancing federal and private student loans of up to 100% of loaned amounts. DRB offers loan terms of up to 20 years with variable and fixed interest rates.

Loan Limits

DBR covers up to 100% of your federal and student loans subject to your credit qualification. Minimum loan amount that can be refinanced is $5,000.

  • Undergraduate School – No limits
  • Graduate School – No limits

Loan Terms

  • 5, 7, 10, 15 and 20 years


DRB Student Loan offers some of the most competitive rates in terms of its student loan refinancing program.

Loan Type


5 to 20-year variable**

3.64% - 6.29%

5-year fixed

4.20% - 5.90%

7-year fixed

4.30% - 6.49%

10-year fixed

4.50% - 6.75%

15-year fixed

4.90% - 6.99%

20-year fixed

5.15% - 7.20%


*Assumes a 0.25% discount for making automatic payments

**Variable rates are calculated by adding a margin to 3-Month LIBOR

Save with auto payments

Yes. Darien Rowayton Bank offers a 0.25% rate discount for automatic payments.

Death and disability forgiveness

DRB will forgive all the amounts owed if borrower dies and some of the amounts owed if the borrower demonstrates significant permanent reduction in income due to disability.

Loan Related Fees

  • Origination fees
  • None
  • Prepayment Penalties
  • None. DRB does not penalize you for paying your student loans early.

Student Loans at Darien Rowayton Bank

DRB provides a good mix of loan terms and competitive rates that makes its student loan refinancing very attractive. However, this is only limited to student loan refinancing and does not provide student loans directly. With DRB, borrowers are able to restructure up to 100% of their federal and private student loans making these more affordable. Though advertised rates are higher than some competitors, DRB often offers borrowers the lowest rates when they apply with multiple lenders. A good choice for professionals and parents searching for student loan refinancing. 

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Latest Reviews

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Danielle K
Florence, Massachusetts
DRB provided me with a no-hassle, stress-free experience. I had no prior knowledge of borrowing and they were able to really simplify the process for me and I ended up receiving a much lower rate than at SoFi.

Flint, Michigan
TERRIBLE. they are out of money. I went through ALL The paperwork and was approved last November 2015 for the refinance. THEN THEY NEVER FUNDED THE REFINANCE LOAN. its MAY 2016 and at this point I do not trust the company enough to accept if they did come through with the money. this happened to two of my colleagues. They took on debt from EMP (large Emergency Medicine group) as well as a Dental professional society and ARE OUT OF MONEY to fund individuals. but they are still recruiting (I get advertisements from them in the mail.) UNETHICAL. DRB IS A NO GO. save yourself and choose someone else.

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