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SPECIAL OFFER: Refinance and enjoy no payments and no interest for 3 months and get $250!

IMPORTANT: Interest and payments on federal student loans have resumed. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.

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Important Disclaimers

IMPORTANT: Interest and payments on federal student loans have resumed. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.

 

 

 

 

Student Loan Refinance

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.*

✔ Competitive Rates

✔ Find My Rate

✔ Online Application

✔ Personalized Support

Should I refinance my student loans?

Refinancing your student loans (such as private, federal, and PLUS) could help you lower your rate, adjust your payment, or pay them off sooner. Just remember, when you refinance federal student loans into a private refi loan, you'll lose access to any current or future federal benefits, such as potential debt cancellation or income-driven repayment options.

For more information, check out these helpful resources:

Current Rates

Variable Rate Solution

Variable Rate icon

As rates rise and fall according to the market index, your monthly payment may change over time. Learn More

5-year Repayment Term: 6.24% - 10.49% APR†

10-year Repayment Term: 8.24% - 11.99% APR

15-year Repayment Term: 9.24% - 13.49% APR

Borrow up to $200,000.

 

Fixed Rate Solution

Fixed Rate icon

Get a fixed monthly payment with a rate that doesn't change over time. Learn More

5-year Repayment Term: 7.24% - 16.24% APR†

10-year Repayment Term: 8.24% - 17.24% APR

15-year Repayment Term: 9.24% - 18.24% APR

Borrow up to $200,000.

 

Find My Rate & Apply

Check Your Rate with No Impact to Your Credit!

 

Important Disclosures and Rate Details  |  Refinance Disclaimers

Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

WEBINAR RECORDING:
Student Loan Refinance – What to Know for 2025

A new year, new (lower) interest rates, and a new administration – what does it all mean for student loan repayment? Could now be the right time to refinance your student loans?

Listen Now

Eligibility Requirements

To be eligible to refinance your student loans, you must have graduated from an approved school‡ and be a member of University Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded. Be sure to review all eligibility requirements.

Read More FAQs

Typical Application and Funding Timeline

Day 1

Initial Credit Application Started

Days 2-16

Document Submission And Verification

Days 17-31

Loan Processing and Finalization

Days 32-42

Loan Disbursement To Your Original Lenders

 

View Timeline Details

View Rates & Get Started

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* Subject to credit qualification and additional criteria, including graduating from an approved school.
† APR = Annual Percentage Rate
‡ Approved schools subject to change without notice.

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