student wearing headphones while walking along a tree-lined campus path on a sunny day

Student Loans

Money for college when you need to bridge the gap

Refinance (up to $125,000) and consolidate your private and federal student loans into one manageable loan, and one convenient payment.*

icon-gold piggy bank symbol

$0 origination fees

There are no origination or prepayment fees
icon-red cut rate symbol

Competitive rates

Student loan rates that are often lower than commercial banks
icon-green alarm clock symbol

In-school deferment

Have the option to defer or put payments on hold
Sometimes federal aid, scholarships, and grants may not be enough to cover the expense of college, so Members Choice has partnered with Credit Union Student Choice to provide a private student loan or line of credit to help fill the gap. Student Choice loan solutions are offered exclusively through participating credit unions across the nation and feature great rates, an innovative line of credit structure, and flexible repayment terms.
 

Student loan refinancing options

 
Refinance (up to $125,000) and consolidate your private and federal student loans into one manageable loan, and one convenient payment.*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Student Loan Resources


Student Loan Debt Consolidation Calculator

Determine if student debt consolidation is right for you.  Learn more with our student loan calculator

Student Loan FAQs

Need help navigating the process? We have answers. Get answers

Student Loan Refinance Calculator

Personalize the terms of your new loan to see your new payment. Calculate your new payment

SavvyMoney Credit Score

The SavvyMoney tool allows you to obtain your VantageScore 3.0 credit score and report anytime, anywhere. View SavvyMoney info

Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.
 
*Subject to credit qualification and additional criteria, including graduating from an approved school.
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.