Universal Refinance Loan Consolidate All Your Student Loans

Refinance all of your student loans into one amazing low-rate loan with our Universal Refinance Loan.

  • Refinance from $5,000 – $125,000
  • Eligible loan types include Federal Loans, Private Loans, Institutional Loans (made by your school) and Parent PLUS Loans^
  • Loans being consolidated must be in the grace period or in repayment
  • Choose from low fixed rates or variable rates
  • Elect a 5-year, 10-year or 15-year repayment term
  • No origination, processing or disbursement fees
  • No pre-payment penalties
  • Interest paid is usually tax-deductible**

Learn more with our Universal Refinance Fact Sheet.


*Speak with a Loan Officer for full details.

**Interest on student loans and universal refinance loans are usually tax-deductible. Consult a tax advisor for complete details.

^For our Universal Refinance Student Loan program, Parent PLUS Loans can only be refinanced by the student who benefitted from the proceeds. Parents are not eligible for the Universal Refinance Student Loan program.