Student Lending Center
Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.*
With rates at historic lows, refinancing your student loans could help you pay your loans off sooner or save on your monthly payment. But we know that everyone’s student loan situation is unique, and figuring out where to start can be tough. Check out our Guide to Refinance or consult with our College and Repayment Counselor to determine if it makes sense for you.
Calculate Savings
As rates rise and fall according to the market index, your monthly payment may change over time. Learn More
5-year Repayment Term: 3.75% - 7.50% APR†
10-year Repayment Term: 4.25% - 8.00% APR
Borrow up to $100,000.
Get a fixed monthly payment with a rate that doesn't change over time. Learn More
5-year Repayment Term: 4.75% - 8.50% APR†
10-year Repayment Term: 5.25% - 9.00% APR
Find My Rate
Or go directly to the application
Important Disclosures and Rate Details | Refinance Disclaimers
Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.
To be eligible to refinance your student loans, you must have graduated from an approved school‡ and be a member of Teachers Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded. Be sure to review all eligibility requirements.
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* Subject to credit qualification and additional criteria, including graduating from an approved school. † APR = Annual Percentage Rate ‡ Approved schools subject to change without notice.
