Refinance Student Loans

Refinance your existing student loans with Power Co-op Employees 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 2.81% APR

(with autopay View Conditions for Autopay Discount)

Fixed Rate

as low as 3.64% APR

(with autopay View Conditions for Autopay Discount)

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Why Borrow With Us?

Competitive Interest Rates

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

Flexible Rates and Terms

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

Borrow What You Need

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

Simplify Your Finances

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

0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate.

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 12 consecutive on-time full principal and interest payments. §
  • No Origination Fee — Why pay us money to process your loan application? We'll never charge you any origination fees.

Are You Eligible?

In addition to Power Co-op Employees 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 Power Co-op Employees 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