Refinance Student Loans

Refinance your existing student loans with Community Savings Bank to lower your monthly payments and reduce the interest rate. *View Terms and Conditions

Variable Rate

5.80%–8.67% APR

Fixed Rate

6.52%–8.83% 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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Flexible Rates and Terms

Pay your loan off quickly, or keep your monthly payments as low as possible — the choice is yours.

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Borrow What You Need

Refinance up to $125,000 in undergraduate student loan debt or $175,000 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.

  • Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
  • Release Your Cosigner — Give more flexibility to your cosigner by releasing them from your loan after making 24 consecutive on-time full principal and interest payments.

Are You Eligible?

In addition to Community Savings Bank'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 Community Savings Bank (or willing to join during the online application process).
Have a Question? 888-549-9050 Monday to Friday: 9:00 AM - 8:00 PM ET