You've got enough on your plate. Stop stressing over student loans.


Balancing school, life and money is hard enough without losing sleep over looming student debt. Spend your all-nighters hitting the books, instead of tossing and turning over tuition costs. If you're out of school, give yourself some breathing room by consolidating all your loans in one place with one low, easy payment. Refinance your federal and private student loans with UCU’s Student Loan Refinance program.

Enjoy our low rates and ride the coattails of our fantastic perks


  • Easy application: Our fast, convenient online application lets you upload your own documents. Get a low fixed or variable rate with fair, negotiable terms.
  • Consolidate federal and private loans: Face it, you’ve got enough bills to keep track of. Simplify your life by combining all of your loans into a single, easy payment. Slash your rates even lower with auto pay1
  • Personalized service: Need a hand? Reach out to our live member support service, anytime Monday through Friday from 9 a.m. to 5 p.m.
  • Choose your amount & terms: You call the shots. Choose a term of 5, 10, or 15 years with amounts ranging from $5,000 to $200,000.
  • Zero hidden fees: 100% transparency means no secret fees here. Plus, there are no prepayment penalties.
  • Low rates: With low variable and fixed rates, you'll have more money for school.

Ready to dive in now? Here's how you can get cracking on your refinancing process online:

  • Choose your loan type, term, and amount,
  • Upload your documents,
  • eSign the loan agreement, and you're done!

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.