Refinance Student Loans

Refinance your existing student loans with Central Maine Federal Credit Union to lower your monthly payments and reduce the interest rate. *View Terms and Conditions

Variable Rate **View Conditions for Variable Rates

as low as 6.14% APR

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Why Borrow With Us?

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Competitive Interest Rates

We can help you replace those high interest rates with a rate that better fits your budget and lifestyle.

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Borrow What You Need

Refinance up to $50,000 in undergraduate student loan debt or $100,000 in graduate debt.

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Simplify Your Finances

With one easy monthly payment, you won't need to keep track of multiple bills.

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Interest-Only Repayment

Better manage your expenses and budget by enjoying initial interest-only payments on certain loan terms.


15 Minutes & Done

Complete your entire application online in under 15 minutes.

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Manage Your Loan

Our online portal lets you check your balance, make payments, and access your account anytime — day or night.

Are You Eligible?

In addition to Central Maine Federal Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You've graduated from an eligible school.
  • You're refinancing private and/or federal loans.
  • If you have loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), they're not eligible for refinancing.
  • You're a member of Central Maine Federal Credit Union (or become a member during the online application process).
Have a Question? 888-549-9050 Monday to Friday: 9:00 AM - 8:00 PM ET