Many lenders require you to graduate to qualify for the refinancing offer. But there do exist lenders that refinance loans for non-graduates. For example, Citizens Bank provides refinancing loans to eligible people who have not completed a degree, but the application requirements are slightly different.
To be eligible, you must have at least $10,000 in student loans to refinance, and you must pay 12 qualifying loans after leaving school. You must be a U.S. citizen, permanent resident, or foreign resident with a valid social security number.