Payments on Federal student loans are set to resume after 08/31/2022. Lock in a low refinance rate today!





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.*

Should I refinance my student loans?

With rates at historic lows, refinancing your student loans could help you pay your loans off sooner or save on your monthly payment. But we know that everyone’s student loan situation is unique, and figuring out where to start can be tough. Check out our Guide to Refinance or consult with our College Counselor to determine if it makes sense for you.

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: 3.25% - 7.75% APR

10-year Repayment Term: 3.50% - 8.25% APR

15-year Repayment Term: 4.25% - 8.50% APR

Borrow up to $125,000.


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: 4.25% - 8.75% APR

10-year Repayment Term: 4.50% - 9.25% APR

15-year Repayment Term: 5.25% - 9.75% APR

Borrow up to $125,000.


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

Eligibility Requirements

To be eligible to refinance your student loans, you must have graduated from an approved school and be a member of DCU. 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


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.