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From: "Student Loan Refi @ Credible" <notifications@email.credible.com>
To: <tjphuhs@gmail.com>
Subject: Timothy, it's time to refinance your student loans!
Date: Tue, 12 May 2026 09:21:37 -0600
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 Credible | Timothy, it's time to refinance your student loans! 
 
 *----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*----*---*----*
 Take advantage of low refinancing rates today

https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtNyEBn2phETpxg_Aabsnu8NOQTokr9p8qkXcdKzkttaCwWNMdKuWy7Ka-7tpITmqy33DG8_OZ6c90WXnq69_H0JRSqjGihWlgYOpaNpLD4u 
View in browser 

https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtNzhXU6XK3ajOwZlyqAaa6hVSCO9WIPt3Lrwl6s97r73EGSzzJbYCYjg-qXv-e_IU1HaZR6FnvpZTJGNm-pqfgfk_5ZSwyVdBxMn007LXs_ 

Timothy, don’t let May's great rates pass you by


Refinance with rates starting at 
https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtN00t0aKnhl82EBn9qF0uejtxrnF0lw8Eua6TyVwXU8oLnZxiStYBZjjLmY78TRaX5TwLVhbprX5AHgXOI4Cmo4aLX5XTBkXIeDKmEpj1I_ 
3.99% FIXED APR*

https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtN1zAGIyb_iz5lN6oysVptZFEPTvpihXr1hAeYpZ_J4c20YrH-1R5RMe_lQMTN5Qe_RuNjWDgqyHZQ4Di1Q4Ug3E3RtNBBwfBa6_sE3einx 
Check My Rates

By refinancing your private student loans at Credible, you could:

Lower your monthly payment

Lock in a better interest rate, or

Pay off your loans faster

P.S. Checking prequalified rates is free and has no impact on your credit score!



 
Sincerely,
The Credible Team


 
 

 <strong>Questions? We're here to help.</strong><br>Our Credible Team would be happy to assist you!
 
   Call 
tel:+18338786847 
833-878-6847   |    
mailto:support@credible.com 
Send an email 


 
 

 <strong>Questions? We're here to help.</strong><br>Our Credible Team would be happy to assist you!
 
   Call 
tel:+18338786847 
833-878-6847 
  
mailto:support@credible.com 
Send an email 


 

https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtN292yAveiC5NJ92RBhxgmiB6wPVwujPpHbcJMrOY_NxuMDKfLVDMGUCr9xAOb1JRNj2i-ajUIngNHPmNQmxgKi7ShoGUotz_p8K6XxtVuv 
Check My Rates


 
 


https://www.credible.com 
Credible.com
Copyright © 2026 Credible Operations, Inc. 

https://www.credible.com/a/mortgage/licenses 
Licenses and Disclosures 
 Our mailing address is 
 6601 Northpark Boulevard, Ste. C #6037, Charlotte, NC 28216  This email is an advertisement. If you'd like to unsubscribe, 
https://click.email.credible.com/subscription_center.aspx?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtN3cIouEpuFmttMUlSkli5C1xxJLJo5rzf4RAAayRxCxpkozUtP9NfYcjN-gyKs_5C82PfjJFGPlTYBkhJwHZL84l8lLQ3UYuHz6ATUMq4Xf0UHka73Zw 
click here .



This email should not be considered advice. You are solely responsible for determining whether any product or service is appropriate for you. If you have any questions regarding your financial situation, please consult with your professional advisor.

If you refinance Federal student loans into a private loan, you will lose access to Federal loan protections like income-driven repayment and loan forgiveness.Do not reply to this email. The inbox is not monitored. If you require support, please email 
mailto:support@credible.com 
support@credible.com .
Prequalified rates are not offers of credit. Actual rates and terms will vary.*Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 3.99% - 10.35% (3.99% - 10.35% APR). Variable interest rates offered by the lenders on Credible.com range from 3.65% - 10.72% (3.65% - 10.72% APR). Variable rates will fluctuate over the term of the borrower's loan with changes in the Index rate. The Index will be either LIBOR, SOFR, or the Prime Rate of interest as published in the Wall Street Journal (WSJ). The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the
 process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy cosigners, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.






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<div class="preheader" style="font-size: 1px; display: none !important;">Take advantage of low refinancing rates today</div>
    
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      <div          style="font-family:'Open Sans', Arial, sans-serif;font-size:20px;line-height:30px;text-align:left;color:#000000;"       >Refinance with rates starting at <a href="https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtNoEdMQbdlo6sEFTSIoItzXMhTFxNwfjHkmzoUgT9Pm-s-GpR7l_QrHXFs9gGc_o1w_UkBHC_bmQBmbRidiXaLnjDZPE7dkZsDoiEUmnSPd" style="color:#0F94A1; text-decoration:none;border-bottom:1px dotted #0F94A1; font-weight:600"><strong>3.99%</strong></a> FIXED APR*</div>
    
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              <a                  href="https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzR9AAoAAAAAAMqewtNpQv17XtRYMReXPy5baiPJR9rOiWXPBT7NO0lM3lqBhkIT7W-483bc4sijsEEqGqZ68Ea4x2Fqz0QJE68t56y8NrhYd91X3q0UvIohQt9J" style="display:inline-block;background:#0F94A1;color:#ffffff;font-family:'Open Sans', Arial, sans-serif;font-size:18px;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-transform:none;padding:10px 25px;mso-padding-alt:0px;border-radius:3px;" target="_blank"               >
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      <div          style="font-family:'Open Sans', Arial, sans-serif;font-size:18px;line-height:26px;text-align:left;color:#000000;"       ><strong>By refinancing your private student loans at Credible, you could:</strong></div>
    
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               <td style="padding: 0 0 0 0;">Lower your monthly payment</td>
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      <div          style="font-family:'Open Sans', Arial, sans-serif;font-size:16px;line-height:24px;text-align:left;color:#000000;"       ><strong>P.S.</strong> Checking prequalified rates is free and has no impact on your credit score!</div>
    
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                                  <div style="font-family:'Open Sans', Arial, sans-serif;font-size:16px;line-height:24px;text-align:left;color:#000000;">Sincerely,<br>The Credible Team</div>
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                                        <strong>Questions? We're here to help.</strong><br>Our Credible Team would be happy to assist you!
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                                      <td style="padding: 0 0 0 0; width:63px;line-height:0px;">&nbsp;</td>
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This email should not be considered advice. You are solely responsible for determining whether any product or service is appropriate for you. If you have any questions regarding your financial situation, please consult with your professional advisor.<br><br>If you refinance Federal student loans into a private loan, you will lose access to Federal loan protections like income-driven repayment and loan forgiveness.<br><br>Do not reply to this email. The inbox is not monitored. If you require support, please email <a href="mailto:support@credible.com" target="_blank" style="color:#717171; text-decoration:underline;">support@credible.com</a>.</td></tr></table><br/>Prequalified rates are not offers of credit. Actual rates and terms will vary.<br/>
<br/>*Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 3.99% - 10.35% (3.99% - 10.35% APR). Variable interest rates offered by the lenders on Credible.com range from 3.65% - 10.72% (3.65% - 10.72% APR). Variable rates will fluctuate over the term of the borrower's loan with changes in the Index rate. The Index will be either LIBOR, SOFR, or the Prime Rate of interest as published in the Wall Street Journal (WSJ). The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower
 rates typically require creditworthy applicants with creditworthy cosigners, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.<br>

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