Don’t Let Debt Hold You Back

Lower the cost of your Parent PLUS loans. Rates start at 3.19% (variable) and 3.35% (fixed) APR.*

It's Time to Reach Your Next Big Faster.

People who refinance their student loans with us save an average of $14,752. Turn to us for:

  • Lower rates than the big banks and online lenders
  • No hidden fees
  • Free preapproval & easy online application

Why Refinance Your Parent PLUS Loans?

  • Save money every month by lowering your monthly payments
  • Potentially cut thousands of dollars from your total interest by securing a lower rate
  • Pay off your loans faster with a shorter term

4 Steps to a Better Loan

Fill out this form and we’ll call or email you to answer questions about refinancing Parent PLUS loans.

Complete our easy online application to see if refinancing is right for you.

Finalize your application by uploading your current loan documents. You’ll also need to join USC Credit Union for a nominal fee.

Review your new loan documents and digitally sign your loan agreement. You’re all set!

How Can Our Rates Be This Low?

  1. Unlike a typical bank, we’re a member-owned nonprofit.
  2. We work for our members, not shareholders.
  3. Our "earnings" go to our members through better rates and fewer fees.

Enjoy these benefits as a member of our full-service local credit union.

Ready to Start Saving?

Contact Me Get My Rate

For more information, please call 877-670-5860 Mon – Fri, 8:30am – 6pm.