Refinance Student Loans

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

Variable Rate

4.80%–8.32% APR

(with autopay View Conditions for Autopay Discount)

Powered by


Why Borrow With Us?

Coin above a hand

Competitive Interest Rates

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

A sack of money

Borrow What You Need

Refinance up to $50,000 in undergraduate student loan debt or $75,000 in graduate debt.

Clipboard with checklist

Simplify Your Finances

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

Stack of Dollar Bills

0.25% Interest Rate Reduction

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

Encircled percent sign

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 Sunset Science Park 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 Sunset Science Park Federal Credit Union (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