Refinance Student Loans
Apply NowShould I refinance my student loans?
Refinancing lets you trade in your high-rate student debt for one low-rate loan with a single monthly payment. If you're looking to pay off your debt sooner with a shorter term, lower your monthly payment with a longer term, or consolidate your loans into one simple monthly payment, you're in the right place.
When you refinance your student debt with UW Credit Union, you can:
- Refinance one loan or multiple loans (minimum of $5,000 total). Federal loans, parent PLUS loans and private student loans can be refinanced.
- Get a fixed or variable rate with a term of 5, 7, 10, or 15 years*.Â
- Variable rates are capped at 15%.
- Forget about hidden fees. You won't pay a cent in annual fees or pre-payment penalties.
- Get help from our experts any time you need it. The refinance process is easy to navigate, and we're always here to help.Â
- Take a break - Over the life of your loan, you can request up to two 3-month occurrences of interest-only payments and up to two 3-month occurrences of forbearance (skip a payment).2
Learn more about student loans and refinancing in our FAQs. See our comparison chart to review family loans, home equity and federal loans.
Refinance - Variable Rate
Refinance - Fixed Rate
Lowest rates shown include automatic payment discount1
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Understanding your loan shouldn't feel like studying for a thermodynamics final. That's why our local experts help simplify your options, so you can focus your studies on the future.
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