Student Loan Refinancing

Combine multiple student loans into one convenient payment

Tired of making multiple payments on your or your kid'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!

Who's Eligible?


College graduates or parents of college graduates who are:

  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school**
  • In repayment or grace period on one or more outstanding private or federal student loans
  • Able to pass a credit check (a cosigner may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)
  • Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded)

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.

Frequently asked questions


Can I consolidate my federal loans?
Yes! You can refinance and consolidate both private and federal (including PLUS) student loans. Keep in mind that by refinancing student loans you may lose certain borrower benefits from your original loans.

Do I need a cosigner?
A cosigner is not required for this loan. However, due to a minimum income requirement and credit criteria, having a cosigner may help you be approved and/or attain a lower interest rate.

What will be my rate?
You will be quoted a rate after your application has been reviewed and conditionally approved.

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.

Apply Now

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

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