Calculate a better rate.

Current rates at credit unions across the US are as low as 2.74% APR*

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IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

*PLEASE NOTE: APR = Annual Percentage Rate. Calculations are based on the lowest possible rate (including .25% discount for optional enrollment in automatic electronic payments), which is based on credit criteria and repayment terms. View the full range of rates and terms by visiting your credit union's website using the Find a Credit Union tool.

Using the free student loan refinance calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.

Find a Credit Union & Apply

Student Choice lending solutions are available from nearly 250 credit unions nationwide. Use our search tool to find a credit union near where you live or attend school, or click here to view our entire list of participating credit unions by state.

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