Student Loan Refinance

Don’t let student debt take control of your life! Refinance your private and federal student loans (including PLUS)* into one loan and payment. As a bonus, we’ll send you $250** upon approval!

Benefits of a Student Choice Refinance Loan:

  • Refinance up to $50,000
  • A single loan payment
  • Competitive interest rates
  • Flexible repayment terms
  • Variable and fixed rate programs available

Click below to apply, or register to download the Guide to Refinance.

Rates effective as of today.

5 Year APR* 10 Year APR* 15 Year APR*
Variable Rate 6.00% 6.75% 7.50%
Fixed Rate 6.50% 7.50% 8.50%

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements. View full program information and disclosures here.

*Federal student loans may qualify for payment and interest rate benefits that private student loans do not. 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. For more information, visit or contact your federal student loan servicer. 

**To qualify, the loan application must be started by 3/31/2024. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.

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