Student  Loans

Students sitting together in the grass discussing student loan options

A college degree is one of the biggest and most important investments you’ll ever make — so be smart about how you pay for it. Fortunately, UW Credit Union makes it easy with budget-friendly solutions that can help you reach your educational goals while minimizing your loan payments. As a member, you can apply for a new student loan or a student loan refinance with us.

In-School - Variable Rate

Rates as Low as
APR * 12-Year

In-School - Fixed Rate

Rates as Low as
APR * 12-Year

Refinance - Variable Rate

Rates as Low as
APR ** 5-Year

Refinance - Fixed Rate

Rates as Low as
APR ** 5-Year

Special Offer: Refinance and Get Cash Back

Now through November 30, get $200 cash back when you refinance federal or private student loans with us.

Learn More

The UW Credit Union Advantage

We get what’s important to college students as well as graduates — after all, we’ve been serving the University of Wisconsin community and beyond since 1931 and are the official student loan refinance partner of the Wisconsin Alumni Association. As a not-for-profit, member-owned financial institution, we have your best interest at heart. We always recommend you consider your lowest cost options first — for example, a federal direct loan— before applying for a private loan. If federal aid isn’t an option or is insufficient, a Private Student Loan can bridge the gap.

We offer both in-school and post-college Private Student Loans that are affordable, flexible and offer these great perks:

  • No fees or prepayment penalty
  • 0.25% interest rate reduction with automatic payments1
  • Cosigner release option after the first 36 consecutive, on-time payments2
  • Access to student loan experts to help you through the process

Eligibility & Loan Limits


  • Borrow up to $15,000 annually; $50,000 lifetime limit
  • Minimum loan amount of $1,000
  • $10,000 in annual income and sufficient income to support payments
  • Attend any UW campus, Madison College or 4-year, public or private, non-profit school located in the U.S. View a list of schools here
  • You may need a cosigner if you don’t meet income and credit history requirements
  • From start to finish, the application process can take 4 to 6 weeks
  • Must be a UW Credit Union member to apply


  • Borrow $5,000 to $150,000
  • Have at least one student loan, either federal or private
  • Choose from 5-,10- and 15-year terms
  • $25,000 in annual income
  • At least 4 years of credit history, not including student loans
  • You may need a cosigner if you don’t meet credit history requirements
  • From start to finish, the application process typically takes 2 to 4 weeks
  • Must be a UW Credit Union member to apply

Applying for a Student Loan

Before you begin the application process, you’ll need the following:

  • Identification & Contact Information – your Social Security number, driver’s license number, address information, phone number and email
  • Employment Information – your annual salary and employer’s name, address and phone number
  • Cosigner’s Information – if applicable, you’ll need to include your cosigner’s name and email
  • Student Loan Statements – if you’re refinancing existing loans, you’ll need to provide a recent statement for each loan you want to refinance
  • Contact Information for Nearest Relative – name, address and phone number of an adult relative that doesn’t live at the same address as you. The contact should be someone other than your cosigner (if applicable) and should not live at your cosigner’s residence.
Young woman sitting cross-legged while using a laptop to apply for a student loan

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