Of all the different types of student loans, Parent PLUS loans have some of the highest interest rates out there. But if you have a good credit score, a job and good income, you can now use your creditworthiness to get a much lower interest rate with a private lender. Here are the best places to refinance a Parent PLUS loan. We encourage you to shop around for the best rate. As long as you do all of you shopping within one month, multiple credit inquiries will only count as one inquiry on your credit report.