Refinance Student Loans

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Special Offer:

Now through February 28, you’ll receive $250 cash back** when you refinance $15,000 or more of student loans with UW Credit Union.

Save money every month and pay off your student loans faster.

Refinance your high-rate student loans into one low-rate loan with a single monthly payment.

  • You can refinance federal loans and/or private student loans.
  • Refinance a minimum of $5,000 in student loans.
  • Choose a fixed or variable rate and a term of 5, 7, 10 or 15 years. 
  • Option to make interest-only payments for the first 2 years.
  • Get a 0.25% rate reduction when you sign up for automatic payments.1
  • No hidden fees, no annual fees and no prepayment penalties.

Reasons to refinance may include:

  • You want a lower interest rate.
  • You want to lower your monthly payment with a longer term.
  • You want to pay off your loans sooner with a shorter term.
  • You want to consolidate your loans into one payment.

Loan features to consider:

  • A fixed rate ensures your rate stays the same and you have steady payments.
  • A variable (or adjustable) rate offers a lower initial rate that may go up or down in the future.
  • Loan payments cannot be deferred if you return to school. Keep in mind federal loan benefits may change by refinancing.

Learn more about student loans and refinancing in our FAQs.

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Have Questions or Need Help? 

Ask an Expert  Schedule an Appointment

Young man sits at a desktop computer while researching student loan refinancing

Refinance - Variable Rate

Rates as Low as
APR * 5-Year

Refinance - Fixed Rate

Rates as Low as
APR * 5-Year

Understand the Process

Our online application process is straightforward. Find out what information is needed to complete the loan process and timing.

Loan process and timing >


Finance Your Education

Planning to study for your undergraduate or graduate degree? Explore our private student loan options to help finance your studies and reach your goals.

Student loan options >