Refinanciamiento de Préstamos Estudiantiles

¹For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater. Membership is required. Must qualify for USCCU membership and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. All accounts are subject to approval process. Terms and Conditions Apply. USC CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident and meet USC Credit Union’s underwriting requirements. This information is current as of 2.4.2026 and is subject to change.

“As low as” fixed and variable rates shown assume the application of the following rate discounts for borrowers who qualify: a 0.25% Graduate School discount, a 0.25% AutoPay discount for automatic loan payments, and a 0.25% PremiumSpend checking account discount for maintaining an active PremiumSpend checking account. To qualify for the AutoPay discount, monthly payments must be made automatically from a designated USC Credit Union checking account. Discounts are subject to eligibility requirements and may be discontinued if eligibility requirements are no longer met. The APR will not fall below the applicable floor rate, regardless of the index or any additional rate discount. The APR will not fall below the floor rate regardless of the index or any additional rate discount.

*Fixed Rate Line of Credit: The Annual Percentage Rate (APR) for our undergraduate private education line of credit is fixed for the life of the loan. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-applicant (if applicable).

The current offered rate will be between 3.44% and 12.74% APR. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-applicant which may result in a better chance of approval and/or lower interest rate.

The fixed rate repayment term is 10 years regardless of the amount you borrow. Full repayment begins at the end of the grace period, unless full repayment is selected during enrollment.

Variable Rate Line of Credit: The Annual Percentage Rate (APR) for our undergraduate private education line of credit is variable and is based on the Prime index plus a margin. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed 15.00%, or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.

The current offered rate will be between 5.00% and 12.50% APR. The “Index” for the quarter is 7.00%, which is the Prime index published in the Wall Street Journal.

The variable rate repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-applicant (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-applicant which may result in a better chance of approval and/or lower interest rate.

Variable Rate: 4.28% annual percentage rate (APR) effective 2.4.2026. 60 monthly payments of $18.85 per $1,000 borrowed. Borrowing $20,000 at 4.28% accrues $2,618.00 in interest during a 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the variable interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Variable rates from 4.28% – 8.51% APR (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 18.00%. Lowest variable rate of APR assumes current 90-Day SOFR Average rate of 4.360% plus 1.100% margin and subtracting the 0.25% AutoPay discount and the 0.25% Graduate School discount. For the variable rate loan, the 90-Day SOFR Average index will adjust quarterly and the loan payment will be re-amortized and may change quarterly. APRs for variable rate loans may increase after origination if the SOFR index increases. The above figures assume no changes in the SOFR index, no pre-payments, no additions to the loan principal, and all payments made in a timely manner over the life of the loan. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure.

Fixed Rate: 4.99% annual percentage rate (APR) effective 2.4.2026. 60 monthly payments of $19.10 per $1,000 borrowed. Borrowing $20,000 at 4.99% accrues $2,915.86 in interest during the 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the fixed interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Lowest fixed rate of 4.99% assumes enrollment in AutoPay and includes the 0.25% Graduate School discount. For further information on rates and costs for the Fixed Rate Student Loan Consolidation and Refinance, see the Application Truth in Lending Disclosure.

AutoPay is a voluntary repayment benefit managed by USC Credit Union that awards a 0.25% interest rate reduction to borrowers that elect to have their monthly payments electronically deducted from a designated checking account. To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied.

For all loans with a Fixed APR: Monthly payments are calculated with the original loan rate and will not be reduced by the discounted rate.

For all loans with a Variable APR: The rate stated on this agreement is based on the rate at the time of loan funding. The index will adjust as stated in your loan agreement resulting in a rate change and new monthly payment.