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Student Loan Refinance

Simplify Your Life & Amplify Your Funds!

IMPORTANT: The pause on federal student loan payments and interest has been extended through 12/31/2022. In addition, the Biden Administration also announced that Federal student loan borrowers who earn less than $125,000 per year, or households earning less than $250,000, are eligible for debt cancellation up to $20,000 for Pell Grant recipients and up to $10,000 for non-Pell Grant recipients. For details, please visit studentaid.gov or contact your federal student loan servicer. NOTE: These measures are strictly tied to federal student loans and have no impact on any private student loans you may have.

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

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

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