Student Loan Refinance & Consolidation

Refinance Your Student Loans & Save

Receive a $500 cash bonus.1 Plus, no payments and no interest for the first 3 months!2

Now, just select the option that’s right for you. 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.


Which Loan is Right for You?

Loan Amount Min Degree Attained Income Requirement
$5K - $150K
Bachelors and above
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$150K - $250k
Advanced Degree and Above
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$250K - $350K
Medical Degree
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($5K - $150K)


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

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


Low Rates

Both variable and fixed rates are available.


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.

Looking for more information? We can help!

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Find answers to the most commonly asked questions.

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Learn More

Resources to help you succeed in college and beyond.

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Contact Us

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.

    1. Upon approval and funding of your student loan you will receive a cash deposit of $300. 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.

    2. 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.

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