What We Offer

No Hidden Fees

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

Federal + Private Loans

Refinance and consolidate both federal and private student loans.

Bank-Beating Rates

Choose our best rates starting at 1.740% APR* (Variable) /   2.490% APR* (Fixed).

Personalized Service

Live customer support available M-F 9am to 5pm PST to discuss your needs.

Easy Application

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, and your choice of 5, 7, 10 or 15-year terms, providing you the opportunity to optimize your payments.

Choose the plan that best fits your needs.

Variable Rate

Rates start from
1.740% - 3.800% APR*


Fixed Rate

Rates start from
2.490% - 4.240% APR*

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

Consolidate and 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 application process can be completed in less than 5 minutes.

Quick Application

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!

How We Compare

We've gathered a list of the Top recommended Student Loan Refinance/Consolidation options to show you how much you can save by making the switch to USCCU today.

Loan Provider Loan Name Lowest APR* Highest APR Terms (Years)
USC Credit Union Student Loan Refi Program 1.74% 4.24% 5-15
Citizens Bank Refinance Student Loans 1.99% 7.83% 5-20
College Ave Student Loan Refinancing 2.94% 4.89% 5-15
Sofi Student Loan Refinancing 1.74% 6.94% 5-20
»Student Loan Refinance Rates collected from competitor sites on 12/30/21. Subject to change.
For illustration purposes only.

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 member*

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
Father wearing sunglasses hugging young son

I love banking with USCCU vs the Big Banks. Everything's much easier and they're much more personal vs big banks who make you feel like just a number. I've dealt with credit unions before but USCCU is truly one of a kind! Great service and better rates!

Rex V.

Yelp Review ( 1/21/2015)

Close-up headshot of young woman in living room

USC Credit Union is always looking out for your best interests. The staff is always professional, friendly and efficient. I love banking with USC Credit Union and recommend their services to everyone I know!

Tanisha S.

Yelp Review (3/16/2015)

Closeup of young woman wearing glasses and grey sweater

I opened my first account with USC Credit Union in 1998 as a freshman; and have been extremely satisfied with their professionalism and efficiency. I love USCCU and have not had a better experience with any other bank. Fight On!

Rosalinda O.

Yelp Review (4/3/2015)

Ready to Start Saving?

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

© 2021. USC Credit Union. All rights reserved. Federally Insured by NCUA.

*Please read below for USC Credit Union's full disclosures, rate details, terms and conditions.

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 borrower's credit and loan term. 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 January 1, 2022 and is subject to change.

Variable Rate: 1.740% annual percentage rate (APR) effective 01/01/2022 – 03/31/2022. 60 monthly payments of $17.41 per $1,000 borrowed. Borrowing $20,000 at 1.740% accrues $897.10 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 1.740% - 3.800% APR (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 19.15%. Lowest variable rate of 1.740% APR assumes current 3-month LIBOR rate of 0.170% plus 2.070% margin and subtracting the 0.25% AutoPay discount and the 0.25% Graduate School discount. For the 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.

Fixed Rate: 2.490% annual percentage rate (APR) effective 10/01/2021 – 12/31/2021. 60 monthly payments of $17.74 per $1,000 borrowed. Borrowing $20,000 at 2.490% accrues $1,291.54 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 2.490% 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.

To qualify for cash back, you must have a loan amount of $10,000 or greater. Use promo code StuRefiCash. The cash incentive will be direct deposited into the member's share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member's account. Offer expires April 30, 2018. Loan must fund by April 30, 2018 to receive this special offer.

USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.


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