Student Loan Refinance and Consolidation

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You're pre-selected! Refinance Student Loans and Save!
  1. Overview
  2. FAQs


It's simple—refinance, make one monthly payment and save thousands. Let BCU help reduce the cost of your student debt and put more cash in your pocket today.

Simplify your finances in just a few steps:

  1. Complete your online application. It’s quick and easy. You can receive your approval in as little as 10 minutes.

  2. Upload documents. We require documents, like proof of graduation and payoff statements, to verify your application and know where to send the payoff funds.

  3. View your offers and select your term. Choose either a variable or a fixed rate and select the repayment term that fits your budget.

  4. Sign documents and setup automatic recurring payments. E-sign your promissory note in seconds and setup automatic recurring payments after funding to receive an additional 0.25% rate reduction.*

You're pre-selected for your loan. This offer expires November 30, 2018.

Learn more or contact a loan specialist at 844-826-7778.

Apply Now!

*You may schedule automatic recurring payments once your loan account is established to receive a 0.25% APR discount. If your automatic recurring payments is canceled, the rate discount will be removed.

You have the option to select a variable or fixed rate and a loan term of 5, 10 or 15 years.

Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinance. The maximum amount you may refinance is $150,000.

To qualify, you must be eligible for Credit Union membership, at least 18 years old, a U.S. citizen or permanent resident, have graduated from an approved public or private not-for-profit school, and continue to meet BCU’s underwriting criteria. You may apply without being a member of the credit union, however, credit union membership must be established to disburse your loan.

To apply for this loan, complete the application. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

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.

If you file for bankruptcy, you may still be required to pay back this loan. Information advertised valid as of 2/01/2018. This offer is not transferable.