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Student Lending Center

IMPORTANT: Federal student loan payments and interest are set to resume no later than June 30, 2023, pending the outcome of legal challenges to the Biden Administration’s proposed federal student loan debt cancellation measures. For details on these measures, which are strictly tied to federal student loans and have no impact on private student loans, visit studentaid.gov. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.

Student Loan Refinance

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.^*

✔ Competitive Rates

✔ Find My Rate

✔ Online Application

✔ Personalized Support

Should I refinance my student loans?

Refinancing your student loans (such as private, federal, and PLUS) could help you lower your rate, adjust your payment, or pay them off sooner. Just remember, when you refinance federal student loans into a private refi loan, you'll lose access to any current or future federal benefits, such as potential debt cancellation or income-driven repayment options.

With recent announcements from the Biden Administration related to federal student loan debt cancellation, it’s more important than ever to evaluate your options so that you can make educated decisions. For more information, check out these helpful resources:

Current Rates

Variable Rate Solution

Variable Rate icon

As rates rise and fall according to the market index, your monthly payment may change over time. Learn More

5-year Repayment Term: 5.25% - 11.25% APR^†

10-year Repayment Term: 5.50% - 11.50% APR

15-year Repayment Term: 5.75% - 11.75% APR

Borrow up to $75,000.

Fixed Rate Solution

Fixed Rate icon

Get a fixed monthly payment with a rate that doesn't change over time. Learn More

5-year Repayment Term: 3.30% - 5.90% APR^†

10-year Repayment Term: 3.80% - 6.40% APR

15-year Repayment Term: 5.30% - 7.75% APR

Borrow up to $75,000.

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Important Disclosures and Rate Details | Refinance Disclaimers

Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

WEBINAR RECORDING: Is Student Loan Refinance Right for Me?

With recent announcements about federal student loans, you may be wondering if you should consider refinancing your remaining federal and/or private student loans. Learn more about your options in our webinar!

Listen Now

Eligibility Requirements

To be eligible to refinance your student loans, you must have graduated from an approved school^‡ and be a member of America's Christian Credit Union. 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. Be sure to review all eligibility requirements.

Typical Application and Funding Timeline

Day 1

Initial Credit Application Started

Days 2-16

Document Submission And Verification

Days 17-31

Loan Processing and Finalization

Days 32-42

Loan Disbursement To Your Original Lenders

View Timeline Details

View Rates & Get Started

Personalized Support

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

Not all loan applications will be approved.