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Refinance your Student Loan with Star One

 

Refinance up to $125,000 with rates starting at 3.70%* APR 1

Refinance your student loan debt

Find My Rate

It takes only two minutes and won't affect your credit score.***


Refinance private and federal** student loans (including PLUS and Parent PLUS) for savings, convenience and a potentially lower rate.* Learn more.

Benefits of refinancing with Star One

LOW INTEREST RATES
Better rates mean more savings. Check our rates

NO HIDDEN FEES
Zero application, origination, or prepayment fees.

FLEXIBLE TERMS
Repayment terms that fit your needs.

1:1 SUPPORT
Friendly support when you need it.

0.25% Rate discount for automatic payment—just for being a member.

Co-signers, if any, can be removed after consistent payments

Your student loan refinance is easy, fast and can be done entirely online

  1. Get pre-qualified online in just two minutes. We’ll let you know if you’re qualified before you finish the full application.
  2. Select your rate and term, and potentially save on your monthly payment on the total student loan interest.
  3. Verify your info and sign. Upload screenshots of your information, then sign your paperwork electronically.
  4. Switch to a low-rate monthly payment. We pay off your servicer(s) and issue you one new student loan.

Student Loan Debt Refinance - fixed rate

Annual Percentage Rate Range

5.25

%

- 7.70

% ****

Monthly payment per $1000:****
5 years max. term: $18.99 - $20.13
10 years max. term: $10.73 - $11.97
15 years max. term: $8.04 - $9.38

Student Loan Debt Refinance - variable rate

Annual Percentage Rate Range

3.70

%

- 6.20

% ****

Monthly payment per $1000:****
5 years max. term: $18.28 - $19.43
10 years max. term: $9.98 - $11.20
15 years max. term: $7.25 - $8.55

Student loan refinance

Find My Rate

It takes only two minutes and won't affect your credit score.***

or,
if you're ready

1. APR= Annual Percentage Rate

* Subject to qualification, and loans available for study at approved schools only.

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

*** To check the rates and terms you qualify for, Star One Credit Union will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

**** Your APR based on credit qualification. Floor 5% for variable-rate refinance programs. Cap 18.00% applies to all student loans. Refinance rates include a 0.25% discount for optional enrollment in automatic electronic payments. 25-year term available for loans equal to or greater than $40,000.