First Republic Bank

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First Republic Bank

Consolidate or refinance up to $300,000 in student debt through First Republic Bank.

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First Republic Bank started in 1985, and is headquartered in San Francisco, California. The company was named the "Best Private Bank" in North America, by Private Asset Management Magazine. The bank has more than 60 offices on both the west coast and northeast, and offers a range of services, including lending, deposits, loans, and investments. The company offers a student loan refinancing program that does not charge origination, annual or prepayment fees; however, First Republic requires members to be in close proximity with one of its U.S. offices.
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The Good

Prepayment Rebate Incentives

First Republic has a refinancing program called Eagle Gold All-in-One, that claims to put customers' savings to work. The program offers a one-month payment plan, with a variety of term options. There are no origination, annual, or prepayment fees, though the website does not specify whether or not there is an application fee. Borrowers work with a First Republic banker to begin the refinancing process. First Republic's goal is to reduce customers' monthly payments and overall loan repayment costs. The company boasts having a stress-free and simple program.

Modifying the Interest Rate

Borrowers can save 5.00 percent if they sign up for automatic payments, direct deposit, and online banking. If customers decide not to sign up for these three features, 5.00 percent will be added on in addition.

Rebate Option

First Republic offers an additional rebate on the interest paid against the loan. If the loan is paid within 48 months, borrowers can receive a rebate of up to 2.00 percent of the original loan balance.

The Bad

Strict Eligibility Requirements

In order to be eligible for Eagle Gold All-in-One's program, borrowers must meet the following requirements:

  • Must have a First Republic ATM Rebate Checking Account set up with automatic loan payments, direct deposit and online banking
  • Must have at least $500 to open the checking account
  • Loan amount must be $60,000 to $300,000
  • Must be located close to one of the company's offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich, or New York City.

Borrowers must also meet in-person to complete the paperwork for the refinancing program.

Lacks Features

Eagle Gold All-in-One's program does not offer forbearance periods, financial hardship deferment periods, or income-based repayment plans.

Monthly Fees

If borrowers do not keep up with a $3,500 average monthly balance, First Republic Bank will charge a monthly fee of $25.00. This fee can be waived for the first three months.

Website Lacks Information

The website lacks key information, rates and terms are not explained in-depth.

High Loan Minimum

Many companies in the industry only require a $5,000 loan minimum. First Republic Bank requires that loans be between $60,000 to $300,000.

The Bottom Line

First Republic Bank is a well-respected and big name in the industry. The company's been in business since 1985, and has a large following on social media. First Republic's refinancing program, Eagle Gold All-in-One, offers competitive fixed and variable interest rates. Borrowers can choose among 5-, 7-, 10-, and 15-year terms.

First Republic Bank has strict eligibility requirements that could be hard for borrowers to meet. They require loan amounts of $60,000-$300,000, and members must be in close proximity to at least one their office locations. The entire process requires in-person communication, and the company charges monthly fees if monthly financial requirements aren't met. For First Republic ATM Rebate Checking Account members, this refinancing program may be worth looking into. Otherwise, we recommend looking into a company that doesn't have such rigid financial requirements.


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User Reviews


3 Reviews

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January 2nd, 2019 New York, NY DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Amazing lender. It took some doing to go through the application process, but it's been a great experience and is really worth it. Fantastic rates.

April 9th, 2018 Fremont, CA

I should have known this was a scam when I had to spill my guts to an account pre-screener who asked alot of questions. I have excellent credit and just wanted a better rate on college loans, but they want people who really don't need the money, and people who have large amounts of capital to invest in their brokerage arm. Don't waste your time.

Peggy Yau
April 4th, 2018 Milpitas, CA

Bad experience. Without appointment, won't allow us to open new checking account in Sunnyvale branch office. We have good credit rate and never been turned down by bank.