Student Loan Refinance - StudentChoice.org

This field is for validation purposes and should be left unchanged.

Step 1 of 3

School Info

Helpful Hints

If you attended multiple schools, select the one you graduated from most recently.
Our approved school list is comprised of most federally accredited, four-year colleges.
Don’t stress on loan amount, you can always adjust later!

Helpful Hints

If you attended multiple schools, select the one you graduated from most recently.
Our approved school list is comprised of most federally accredited, four-year colleges.
Don’t stress on loan amount, you can always adjust later!

What's the name of your school?*

This field is hidden when viewing the form

Hidden Field (school) - JS POPULATED*

This is populated from "What's your school?" local API field.

What's your estimated loan amount?*

Step 2 of 3

Estimated Credit Score

Helpful Hints

Better Rates: a stronger credit score can unlock lower rates and bigger savings.
Use the Best Score: it’s ok to use the credit score for the borrower or cosigner.
No Impact on Credit Score: there is no credit pull (hard or soft inquiry) to estimate your rates.
Adjust Later: adjusting your credit score can help you compare rates and payments.

Helpful Hints

Better Rates: a stronger credit score can unlock lower rates and bigger savings.
Use the Best Score: it’s ok to use the credit score for the borrower or cosigner.
No Impact on Credit Score: there is no credit pull (hard or soft inquiry) to estimate your rates.
Adjust Later: adjusting your credit score can help you compare rates and payments.

Slide to match your estimated credit score and find your options.*

You can adjust your selection at any time. If you don’t know your credit score or it falls between 0-660, start by selecting 650 to see how credit scores impact rate and repayment options. Learn more about your credit score and how to find it free.

Important Notice

Why is a Co-Applicant Important?

Applying with a creditworthy co-applicant can improve your chance of getting approved or a lower rate
A co-applicant can be a parent, guardian, or even a family friend.
When you apply with a co-applicant, if they have a higher credit score, it will be used instead

Why is a Co-Applicant Important?

Applying with a creditworthy co-applicant can improve your chance of getting approved or a lower rate
A co-applicant can be a parent, guardian, or even a family friend.
When you apply with a co-applicant, if they have a higher credit score, it will be used instead

Most of our credit union partners require a minimum credit score of 660 for solo applications and co-applicants. Student borrowers applying with a qualified co-applicant must have either zero credit or a minimum score of 620. A lower score will significantly reduce the chance of your application being approved. If you have a co-applicant, please use their credit score range to estimate your rates.

If you click “Proceed Anyway,” we’ll show you rates based on a credit score of 660. If you choose to submit a credit application and your score does not meet the minimum requirements above, it is highly unlikely that your application will be approved.

Step 3 of 3

Basic Info

Helpful Hints

Credit unions often serve specific geographic areas – this helps us match you with credit union lenders.
We’ll never sell your info and you can opt-out of marketing messages at any time.

Helpful Hints

Credit unions often serve specific geographic areas – this helps us match you with credit union lenders.
We’ll never sell your info and you can opt-out of marketing messages at any time.

What's your name?*

First Last

What's your address?*

Mailing Address City State ZIP Code

What's your email address?*

By entering your email address, you agree to receive occasional marketing and informational emails and/or text messages from Student Choice and to allow us to share information with participating credit unions to create your account should you choose to apply.

This field is hidden when viewing the form

ZIP CODE - JS POPULATED*

Unique ID

Step 1 of 3

School Info

Helpful Hints

Helpful Hints

Step 2 of 3

Estimated Credit Score

Helpful Hints

Helpful Hints

Important Notice

Why is a Co-Applicant Important?

Why is a Co-Applicant Important?

Step 3 of 3

Basic Info

Helpful Hints

Helpful Hints

Compare Rates

Resources

Disclosures & Details