Student Loan Refinance

Refinance your student loans by February 28, 2022 you’ll receive a $500 cash bonus!
Plus, no payments and 0% interest for the first 3 months*!

We offer student loan refinancing to meet your needs.

Combine multiple education loans (government, private and parent plus) into a single loan with one monthly payment. You've earned your degree, get rewarded with a better interest rate.

How much could I refinance in student loans?

Answer the questions below to find out.

Is this loan for a Parent Refinance?
What is your highest degree attained?
Loan Amount (max $350k)
Your Annual Income
Based on the information you provided, here's what you can refinance up to in student loans:
Sorry, it looks like you currently do not qualify.

It’s easy to save money and lower your payments with:

Low Rates

Variable rates as low as 1.49% APR1.

Fixed rates as low as 2.85% APR2.

Flexible Terms

Flexible repayment terms to fit your budget - select 5, 7, 10 or 15 years (or up to 20 years for Advanced and Medical Degree).

Refinance Options

Consolidate federal and private student loans, including PLUS loans.

No Fees

No application, no origination and no pre-payment penalty fee.

Is Student Loan Refinancing Right For You?

To learn more about your options, schedule an appointment with our Student Loan Refi expert, Amy Auw.

Which Loan is Right for You?
Loan Amount Min Degree Attained Income Requirement
$5K - $150K Bachelors and above $30K* Find My Rate Apply Now
$150K - $250K Advanced Degree and above $100K* Find My Rate Apply Now
$250K - $350K Medical Degree $150K* Find My Rate Apply Now
($5K - $150K)
N/A $30K* Find My Rate Apply Now

*2 years of continuous employment at minimum income and BCU membership required.

Choose which interest rate works best for you:


Variable Rate

As rates rise and fall according to the market index, your monthly payment may change over time.


Fixed Rate

Get a fixed monthly payment with a rate that doesn't change over time.

Student Loan Refinance Calculator

See how much you can save with a new lower rate and term.

Calculate Savings
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Talk to a student loan specialist.

  • Disclosure


    Loans are subject to approval. Rates, terms and conditions subject to change without notice.

    Student Loan Refinance and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.


    *To qualify, the loan application must be started after 12/8/21. Upon disbursement of the loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The repayment term of the loan will begin three months after disbursement, when the promotional period ends. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

    Upon approval and funding of your student loan you will receive a cash deposit of $500. The cash deposit will be awarded in the form of a deposit to your Credit Union checking or savings account within 90 business days from the funding date of the loan. Additionally, a minimum loan amount of $10,000 is required to receive this cash deposit. Limited to one cash bonus per member. Student Loan refinance application must be received by 2/28/2022 and funded by 4/30/2022.

    1. Loans are subject to approval. Rates, terms and conditions are subject to change without notice. Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.51% and +2.42% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

    2. Fixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

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