Take control of your student loan repayment by refinancing and consolidating your private and federal student loans into a single, manageable loan. When you refinance your loans, you’ll make one convenient payment a month and potentially lower your rate.*

Take advantage of this special offer:

Right now, if you refer a friend and they refinance a student loan with UCU, we’ll give both you and your friend $100 each.1

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Benefits of refinancing your student loans


  • Competitive interest rates
  • Flexible repayment terms to fit your needs
  • Reduce your rate by 0.25% APR2 by enrolling in automatic payments during repayment