iHELP Student Loan Refinance Review

Rating: 5.9 / 10 (Average)
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iHelp is a private student lending program administered by Independent Community Bankers of America and Reunion Student Loan Finance Corporation, a student loan originator, consolidator, and servicer with over 30 years of industry experience. The program was founded in 1997 and is headquartered in Aberdeen, South Dakota.

How is iHELP rated?


Loan Specifics
Customer Experience
Company Reputation

Overall Rating: 5.9 / 10 (Average)

iHELP is a great choice for borrowers seeking to consolidate their private or federal student loans through an independent community bank. Although its website is not as easy to navigate and fails to offers the wealth of resources other marketplaces do, iHelp does provide competitive repayment options, high loan amounts, and even deferment and forbearance options for qualifying individuals.

iHELP Loan Specifics

Loan Specifics - 6 / 10

iHELP offers a student consolidation option for federal and private student loans with three repayment options, fixed and variable rates (depending on the term), and a generous maximum loan amount with no origination or supplemental fees. Deferment and forbearance options are also available.
Loan Types
Maximum Loan Amount
$250,000 for graduate or undergraduate students
Fixed APR Range
4.75%–8.00% (10), 5.50%–9.00% (15)
Variable APR Range
LIBOR + 2.50% to LIBOR + 8.50% (20)
Repayment Options
Full Repayment
Fixed Monthly Repayment
Interest Only
Deferment or Forbearance

iHELP Qualifications

Qualifications - 6 / 10

To qualify for a consolidation loan, the borrower must be a U.S. citizen or a permanent legal resident and must have had an annual income of at least $24,000 for the past two years. Additionally, the borrower must have two years of good credit history, a debt-to-income ratio of 45% or less, and be able to meet other credit requirements. Consolidation for Federal Parent PLUS loans is also available.
Excluded Loan Types
Not listed on website.
Citizenship Requirement
U.S. Citizen
Permanent Legal Resident
Income Verification
Degree Required

iHELP Customer Experience

Customer Experience - 4 / 10

The company offers an instant online pre-approval application process. A refinance loan calculator is not available on the website and no discounts were listed with this type of loan.
Processing Time
Instant pre-approval
Live Chat

iHELP Company Reputation

Company Reputation - 7 / 10

iHELP is jointly administered by Reunion Student Loan Finance Corporation and the Independent Community Bankers Of America, which has a BBB rating of A+ with no negative reviews. There is no Trustpilot rating or reviews.
Lender Type
Year Founded
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

Company Profile

Full Name
iHELP Student Loan Refinance
Company Website
124 S 1st Street Aberdeen, Aberdeen, SD, 57401

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Top Rated
Our Partner
9.8 / 10
  • Rates start as low as 2.50% variable and 3.20% fixed APR
  • No hidden fees, origination fees or prepayment penalties
  • Find your rate in two minutes
  • Checking your rates does not affect your credit score
  • Get the best offers from top lenders
  • Consolidate some or all to make single payments
  • Get prequalified in minutes