Refinance Student Loans & Save

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Refinance at least $25,000 of student loans and we’ll cover your first monthly payment, up to $500.


First Payment Is On Us!

Trade in one or more student loans for a new loan with a low interest rate and single monthly payment. We’ll even cover your first payment, up to $500.1

Here's how it works:

We'll make your first payment when you refinance at least $25,000 of student loans by June 30, 2021

  • Choose a fixed or variable rate and a term of 5, 7, 10 or 15 years.
  • Refinance one student loan or multiple student loans.
  • You may refinance federal student loans, private student loans or both. Keep in mind federal loan benefits may change by refinancing.
  • No application fees, annual fees or prepayment penalties.

Plus, save even more!

Take an additional 0.25% off your rate when you sign up for automatic payments.2

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Have Questions or Need Help? 

Ask an Expert  Schedule an Appointment

Refinancing student loans made easy through UW Credit Union.

Refinance - Variable Rate

Rates as Low as
APR * 5-Year

Refinance - Fixed Rate

Rates as Low as
APR * 5-Year

More Refinance Resources

When you're ready to refinance, complete an online application. Once approved, you'll receive your new loan fast, typically in 2-4 weeks.

Already started an application? Log in here.

What Members Say

“At UWCU, a real person helped me with my student loans, and the process was so quick. Now I’m saving over 2% on my interest rate. That’s thousands of dollars!”

-Danielle, member since 2019

Why Choose UWCU?

More money in your pocket and friendly experts by your side.

Refinancing with us means working with educational lending experts who understand your situation and act in your best interest. Plus, it could save you a lot of money.

What’s more, we’ll help you learn how to achieve financial well-being. It’s part of our ongoing commitment to educating the community and serving the needs of students. After all, we were founded on the UW-Madison campus!