Refinance Student Loans

Should 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. 
  • Variable rates are capped at 15%.
• Get a 0.25% discount on your rate when you enroll in automatic payments.¹
• 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. 
• 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.

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Lowest rates shown include automatic payment discount¹