Refinance Student Loans

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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%.
  • 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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Refinance - Variable Rate

Rates as Low as
APR * 5-Year

Refinance - Fixed Rate

Rates as Low as
APR * 5-Year

Lowest rates shown include automatic payment discount1

Tips for Managing the Repayment Process

Check out our online guide and find out what to do now, how to prepare for the future and get answers to commonly asked questions. We'll get through this together.

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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.

Phone Number

(800) 533-6773- ext. 2950

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