Loan Consolidation

Consolidate multiple private student loans or refinance a single private student loan with a Student Choice private consolidation loan from your credit union. Featuring a low, variable interest rate, zero origination fees, and 15-year repayment period1, a consolidation loan from your credit union will allow you to make one convenient payment, potentially saving you thousands of dollars in interest!2


What You Need to Know Before You Borrow

  • Consolidate your private student loans up to $%%PCONMax%%

  • Choose a graduated repayment option to enjoy lower initial monthly payments

  • Receive a 0.25% rate discount for automatic electronic payment3


Who's eligible?

College graduates who are:

  • U.S. citizens or permanent residents and have graduated from an approved public or private not-for-profit school4

  • In repayment on one or more outstanding private student loans (post grace period5)

    • Outstanding federal student loans and school institutional loans are NOT eligible for this consolidation loan. For information on consolidating Federal student loans, click here

  • Able to pass a credit check (A co-borrower may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)

  • Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded)


Check out our Frequently Asked Questions, or just click below when you're ready to get started.


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  1. For a $20,000 consolidation loan for a term of 15 years with a 6.00% APR (Annual Percentage Rate), the monthly payment will be approximately 180 payments of $169. All loans are subject to approval. Rates, terms and conditions subject to change without notice. Restrictions apply. Please visit the rates page for more information.

  2. Loans subject to approval. Rates, terms and conditions subject to change without notice.

  3. If your loan is subject to a floor rate (also known as a minimum interest rate) as specified in your promissory note, your rate will never be less than the floor rate.

  4. Approved schools subject to change.

  5. Private education loans must be in repayment to be eligible for consolidation.


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