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Georgia's Own CU

Student Lending Center

NOTE: The CARES Act was passed in response to events related to the Coronavirus pandemic and includes broad relief measures for federal student loan borrowers. If you are considering refinancing your federal student loans, please make sure to review these measures at www.studentaid.gov/coronavirus to understand your options.

Student Loan Refinance

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.^*

✔ Competitive Rates

✔ Find My Rate

✔ Online Application

✔ Personalized Support

Should I refinance my student loans?

With rates at historic lows, refinancing your student loans could help you pay your loans off sooner or save on your monthly payment. But we know that everyone’s student loan situation is unique, and figuring out where to start can be tough. Check out our Guide to Refinance or consult with our College and Repayment Counselor to determine if it makes sense for you.

Calculate Savings

Current Rates

Variable Rate Solution

Variable Rate icon

As rates rise and fall according to the market index, your monthly payment may change over time. Learn More

5-year Repayment Term: 4.25% - 5.75% APR^†

10-year Repayment Term: 4.50% - 6.00% APR

15-year Repayment Term: 4.75% - 6.25% APR

Borrow up to $100,000.

Fixed Rate Solution

Fixed Rate icon

Get a fixed monthly payment with a rate that doesn't change over time. Learn More

5-year Repayment Term: 5.25% - 6.75% APR^†

10-year Repayment Term: 6.25% - 7.75% APR

Borrow up to $100,000.

Find My Rate

Or go directly to the application

Important Disclosures and Rate Details | Refinance Disclaimers

Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

Eligibility Requirements

To be eligible to refinance your student loans, you must have graduated from an approved school^‡ and be a member of Georgia's Own Credit Union. 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. Be sure to review all eligibility requirements.

Typical Application and Funding Timeline

Day 1

Initial Credit Application Started

Days 2-16

Document Submission And Verification

Days 17-31

Loan Processing and Finalization

Days 32-42

Loan Disbursement To Your Original Lenders

View Timeline Details

View Rates & Get Started

Personalized Support

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