Private Student Loan Consolidation

Pay once and for all by consolidating your private student loans with a private consolidation loan from your credit union. Featuring a low, variable interest rate, zero origination fees, and 15-year repayment period, a consolidation loan from your credit union will let you combine multiple private student loans into one convenient payment, potentially saving you thousands of dollars in interest!


With this loan you’ll be able to:

•    Consolidate up to $100,000 in private student loans
•    Choose a graduated repayment option to enjoy lower initial monthly payments
•    Receive a 0.25% rate discount for automatic electronic payment

Just imagine how much you could save!*

Learn more below and view our Frequently Asked Questions for additional loan details.

Who’s eligible?
To be eligible, you must be a college graduate who is a member of the credit union.

Which loans are eligible?
Outstanding private student loans that are in repayment (post grace period*) are eligible for consolidation.

*Private Loans consolidated while still in a grace period will forfeit the remaining months of grace period.

Which loans are NOT eligible?
Outstanding federal student loans and school institutional loans cannot be consolidated in this loan.

Do I need a co-borrower?
A co-borrower is not required for a private consolidation loan. However, due to a minimum income requirement, having a co-borrower may help you be approved and/or attain a lower interest rate.

How much can I borrow?
Once approved, you can borrow from $5,000 up to $100,000. Make sure to review your existing loans carefully so that you borrow the exact amount you need. [Note: The amount of your consolidation loan will be based on existing loan balances as indicated by statements that you will need to provide after receiving conditional approval. You may want to consult with your original loan providers to confirm the loan balances, thus ensuring that your consolidation loan is neither over- or under-funded.]

What will be my rate?
You will be quoted a rate after your application has been reviewed and conditionally approved.  Note:  There is no obligation to take the loan once you apply and are conditionally approved.  We encourage you to apply and evaluate your options before making a final decision.

How do I apply?
You can quickly and easily apply online for an instant credit decision and quote. 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. If you have further questions, please call our student loan representatives 24 hours a day, seven days a week.

* Please note: Information and calculations presented on this page are made available to you as self-help examples for your independent use and are not intended to provide specific advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance decisions.