Student Loan Refinancing

Combine multiple student loans into one convenient payment

Tired of making multiple payments on your or your child's student loans?

Take control of your student loans by refinancing with KCT Credit Union! With our solution you can refinance and consolidate both private and federal student loans, setting up one convenient payment and potentially lowering your rate*.  With low rates and flexible repayment options, you’ll be able to simplify your life while amplifying your funds!

Find Your Rate

To determine the loan rates for which you may qualify, complete the form through Find My Rate. Once you're given your rate options, you can choose to continue with the application or move in a different path. No need to worry about it affecting your credit score, when you use Find My Rate, we perform a soft credit pull which will not affect your credit score. Once you begin an application, we will request your fill credit report, which then may affect your credit score.

Determine your rates

How do I apply?

Visit our Student Choice website to quickly and easily apply online. Applicants can receive conditional approval in just a few minutes, and will then receive detailed instructions on additional documentation that must be submitted in order to complete the loan process.

Apply Now

For frequently asked questions visit our KCT Student Choice website or contact us.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.

*Subject to credit qualification and additional criteria, including graduating from an approved school.
**Approved schools subject to change without notice.