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Do I have to be a credit union member?
You will need to be a member of the credit union from which you borrow. If you aren’t already a member, don’t worry - you can join at the time you complete your loan application.
Will I need a co-borrower?
You are not required to apply with a co-borrower, but applying with one may improve your chances of being approved, and potentially help you get a lower interest rate.
What items will I need for my application?
  • Personal information (such as name, date of birth, Social Security number)
  • Income information for either the borrower or co-borrower (if applicable)
  • School enrollment information, if known
  • Amount needed for your current school term
  • If applying with a co-borrower, you’ll want to have them present. The co-borrower will also need to provide the same type of personal information as the student borrower. If they cannot be present, you should have their primary email address on hand – we’ll send them a notification to input their information.
How long will the process take?
Processing times vary based on time of year, document submission, and your school’s certification process. In general, you can expect the process to take anywhere from 5-45 days, depending on the documentation available.
Do I have to apply every year?
You will only have to complete the application process once! However, your loan is subject to credit qualification and an annual credit review, and you must continue to meet your school’s Satisfactory Academic Progress (SAP) and enrollment requirements.
What should I know about the CARES Act and refinancing federal student loans?
The CARES Act was passed in response to events related to the Coronavirus pandemic and includes broad relief measures for federal student loan borrowers. If you are considering refinancing your federal student loans, please make sure to review these measures at www.studentaid.gov/coronavirus to understand your options.
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*APR = Annual Percentage Rate

In order to apply for a loan, you must first pick an individual credit union from which you wish to borrow. You can apply for the loan without being a member of the credit union you select, but you will need to become a member of that credit union in order to receive a funded loan. Therefore, it's important that you select a credit union that you will be eligible to join. Credit union membership requirements can include where you live, work, or attend school. Results are based on membership criteria provided by individual credit unions and do not imply a guarantee regarding accuracy or eligibility to join the listed credit union(s).

Calculations are based on the lowest possible rate and available repayment terms per lender. Rate estimates are based on credit information entered by the user and will not impact your credit. During the application process, a hard credit inquiry will be performed to provide exact rate information. Repayment calculations assume immediate full repayment. View the full range of rates and terms by visiting your credit union's website using links listed for each credit union above.

Using the free student loan refinance calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.

IMPORTANT NOTICE for refinance borrowers: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy cosigner which may result in a better chance of approval and/or interest rate.

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