fbpx

Why Refinance?


Debt is expensive financially, and can also be costly to your feeling of health and wellbeing. If you refinance your student debt with Impact Capital Funds, you may save 10-40% on loan interest over time, and you may be able to get out of debt up to 30% faster!

Save Money, Claim Your Future


A 27-year old professional with $150,000 of student debt refinances her loans from 7.0% to 4.0% with Impact Capital Funds. This saves her $17,940 over a 7-year loan term. By investing her monthly savings into her company's 401k account where it is matched by her employer (100% on first 2.5%), and letting it compound for 7 years at 8.0%, her nest egg grows to $ 177,837. If she continues this saving rate until full retirement at age 67, her nest egg will have grown to over $3,814,000! What a huge impact from refinancing her loans in her twenties and forming a good habit of saving money!


By investing saved interest from refinanced student loans, by full retirement her nest egg will have grown to over $3,814,000!

Sample Savings

Our Impact

7 years (84 monthly installments)

Loan Amount Total Interest Cost. Savings Range
@ 4.0% p.a. @ 7.0% p.a. @ 11.0% p.a.
$30,000 $4,445 $8,033 $13,149 $3,588 - $8,704
$50,000 $7,409 $13,389 $21,194 $5,980 - $14,505
$75,000 $11,113 $20,084 $32,871 $8,971 - $21,758
$125,000 $18,522 $33,473 $54,786 $14,951 - $36,354

10 years (120 monthly installments)

Loan Amount Total Interest Cost. Savings Range
@ 4.0% p.a. @ 7.0% p.a. @ 11.0% p.a.
$30,000 $6,448 $11,799 $19,590 $5,351 - $13,142
$50,000 $10,747 $19,665 $32,650 $8,918 - $21,903
$75,000 $16,121 $29,498 $48,975 $13,377 - $32,854
$125,000 $26,868 $49,162 $81,625 $22,294 - $54,757

Get Started