Student Loan Refinancing Solutions

NOTE: 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 to understand your options.



We offer a variety of student loan refinancing solutions to meet your unique needs.

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

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

Please note:
BCU membership, minimum income, and at least one year of continuous employment required.

Modifying the loan amount in the "Find My Rate" form will not impact the rate that may be provided, but will result in an additional soft credit pull. If you would like to estimate your monthly payment based on the loan amount requested, please use the Refinance Calculator.



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

Low Rates

Flexible Terms

Refinance Options

No Fees

Fixed and variable rates to fit your budget. 5, 10 or 15 year repayment terms. Consolidate private and federal student loans, including PLUS loans. No application, origination, or pre-payment penalty fees.






Choose the interest rate that works best for you:

Variable Rate

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

Learn More


Fixed Rate

As market rates rise and fall, your interest rate and payment remain fixed and do not change over time.

Learn More



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