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Student Loan Refinance

Simplify Your Life & Amplify Your Funds!

Whether you want to lower your interest rate, pay your loans off sooner, or reduce your monthly payment, we’ve got a student loan refinance solution to fit your needs.

Featuring competitive interest rates (both fixed and variable options) and zero origination fees, our refinance loan can help put you in control of your student debt repayment strategy! Refinance and consolidate private and federal student loans (including PLUS loans), setting up one convenient payment and potentially lowering your rate.

Our student loan refinance option comes with:

  • Competitive interest rates
  • Loan limit up to $120,000
  • Flexible repayment terms to fit your needs
  • No origination fees or prepayment penalties 
  • Easy online application and instant credit decision
  • A relationship with a local, not-for-profit lender you can trust

Refinance Application     Refinance Rates & Terms >>


Our NEW Student Lending Center is a robust resource, whether you are already in college, planning for college or looking to refinance.

Student Lending Center

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Am I Eligible to Refinance My Student Loans?

To be eligible to refinance your student loans, you must have graduated from an approved school and be a U.S. Senate Federal Credit Union member. You may apply without being a member of the credit union, but you will need to become a member for the loan to be funded. Be sure to review all eligibility requirements.

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Should I Refinance My Student Loans?

Everyone’s student loan situation is unique, and figuring out where to start can be tough. Check out our Guide to Refinance or consult with our College and Repayment Counselor to determine if it makes sense for you.

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Need Student Loan Support?

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Important Disclosures and Rate Details | Refinance Disclaimers

APR = Annual Percentage Rate. Subject to credit qualification and additional criteria, including graduating from an approved school. ‡ Approved schools subject to change without notice.

By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

Very personable, solution based and takes an interest in your situation.

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

The credit union provides relatively good services and the security updates to the system are noticeable.

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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