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Student Loan Refinance

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Refinance and consolidate your private and federal student loans into one manageable loan, setting up one convenient payment, and potentially lowering your rate1.

Check Out These Great Benefits

  • Refinancing available up to $125,000
  • Competitive interest rates
  • Flexible repayment terms to fit your needs
    (view our rates page for more information, repayment examples, and important disclosures)
  • No origination fees or prepayment penalties
  • Borrow from a credit union you can trust

Who's Eligible?

College graduates who are:

  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school.

  • In repayment or grace on one or more outstanding private or federal student loans

  • Able to pass a credit check. 
    (A cosigner may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)

  • Eligible for C1st membership
    (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)

learn more   apply online

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1Subject to credit qualification and additional criteria, including graduating from an approved school.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

important information