• Refinance your
    Student Loans

Our members save an average of $6,045* when they refinance their student loans with USC Credit Union.

Simplify your financial life, and save money in the process! Refinance your federal and/or private student loans into one easy, convenient payment with a lower rate - and take up to 15 years to repay. Choose the low rate that best fits your needs — Variable Rate as low as 1.88%1, Fixed Rate as low as 3.45%2 (includes 0.25% AutoPay discount**).

What We Offer

No Hidden Fees

No application or origination fees. No pre-payment penalties.

Federal + Private Student Loans

Refinance both federal and private student loans.

Bank-Beating Rates

Choose between Variable (as low as 1.88% APR1) and Fixed (as low as 3.45% APR2) loans. This rate includes a 0.25% discount with AutoPay**

Peronalized Service

Live customer support representatives available M-F 5am to 5pm PST to discuss your lending needs. Call today at (855) 382-2160

Easy Application Experience

Simple online application and document upload available 24/7.

Borrowing Flexibility

Loan amounts range from a $5,000 minimum up to a $75,000 maximum.

Rates and Terms

We offer two low rate options, providing you the opportunity to optimize your payments.

Choose the plan that best fits your needs.


Still have questions? Visit our Frequently Asked Questions page for more info.

REFINANCE IN 4 EASY STEPS!


Compare the plans available to you with specific payments, rates, and terms. Choose the plan that best fits your needs.

Choose Fixed Or Variable


Our quick pre-approval process lets you know if you qualify before you complete the full application.

Get Pre-Approved


Upload documents to verify your current loans and your identity. Screenshots are acceptable.

Upload Documents


Review your loan documents, and electronically sign your application.

Sign and You're Done!

Am I eligible?

Applicants must meet the following guidelines:

  • Be a legal adult as defined by the state in which you reside (age 18 in California)
  • Have at least one student loan, either federal or private
  • Be a U.S. citizen/national or permanent resident with a Social Security number
  • A satisfactory credit score
  • A minimum annual income of $30,000
  • At least 5 years of credit history, not including student loans
  • Must be a USC Credit Union member3

Co-signer Information

Get a Lower Rate!

If you do not meet our credit history, income and credit score requirements on your own, you may want to use a co-signer. A co-signer’s income and credit score can help strengthen your loan request, and may even lead to securing a lower rate. Rates are based in part on credit score, so if your co-signer has a better credit score we will use their score to establish the rate on your loan. And, after 36 consecutive on-time monthly payments, you will have the option to release the co-signer from your loan. You will still need to meet all other eligibility requirements.

Steps for Cosigners

Ready to Start Saving?

Four easy steps is all it takes to learn how much you could save by refinancing your student loans. Determine your savings! Apply today!

© 2015. USC Credit Union. All rights reserved. Federally Insured by NCUA.




Terms and Conditions:
For 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 (877-670-5860) 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 March 31, 2015 and is subject to change.
1Variable Rate: 1.88% annual percentage rate (APR) effective 7/1/15 – 9/30/15. 60 monthly payments of $17.48 per $1,000 borrowed. Borrowing $20,000 at 1.88% accrues $970.38 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 variable interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Variable rates from 1.88% APR to 5.48% (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 12.73%. Lowest variable rate of 1.88% APR assumes current 3-month LIBOR rate of 0.28% plus 1.85% margin and subtracting the 0.25% AutoPay discount. 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. The AutoPay benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a checking account. Ask a USC Credit Union representative for more details or how to enroll in AutoPay. For the USC Credit Union variable rate loan, the 3-month LIBOR 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 LIBOR index increases. The above figures assume no changes in the LIBOR 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.
2Fixed Rate: 3.45% annual percentage rate (APR) effective 7/1/15 – 9/30/15. 60 monthly payments of $18.03 per $1,000 borrowed. Borrowing $20,000 at 3.45% accrues $1,631.82 in interest during the 5 year repayment term. These monthly payments and accrued interests are for illustration purposes only. Lowest fixed rate of 3.45% assumes enrollment in AutoPay. 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. The AutoPay benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a checking account. Ask a USC Credit Union representative for more details or how to enroll in AutoPay. If approved for a loan, the fixed interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. For further information on rates and costs for the Fixed Rate Student Loan Refinance, see the Application Truth in Lending Disclosure.
*Savings calculation is based on an average loan amount of $30,000 and a 15 year repayment term. The assumed Federal Direct Loan rate is 7.07% (an overall cost of $48,748). The assumed Student Loan Refinance rate is our best fixed rate of 5.00% (an overall cost of $42,702.86). Savings calculations assume borrowers make all payments in a timely manner and do not prepay.
**To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. In order to take advatage of the interest rate discount you may enroll by visiting one of our branches or by giving us a call at (877) 670-5860. The USC Credit Union 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a USC Credit Union checking account. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied. USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.