Student Loans & Refinance

Paying for higher education can be difficult, especially with college and university costs rising year after year.  College is hard.  Paying for it shouldn’t be.

Tips for making the cost of higher education easier to bare.

  1. Find all the “free” money.  Apply for scholarships and grants.
  2. Apply for “cheap” money.  Submit your FAFSA application early for federally funded loans.
  3. Visit us at the Credit Union for money to cover the remainder of your schooling costs.

Private Education Line of Credit

Our private student lending solution is a line-of-credit loan program that you can use during our undergraduate studies.  This means you only need to apply once for your entire undergraduate career.*

Our program can help cover all of your schooling costs that aren’t covered by your scholarships, grants, and federal loans.  With multiple repayment options and fixed or variable rate terms, it’s a great way to fill college funding gaps.

  • subject to annual review and credit qualification.  Must meet school’s Satisfactory Academic Progress (SAP) requirements.

Student Loan Refinance

Take control of your student loan repayment!  Set up one convenient payment and potentially lower your rate. *

Benefits of our solution:

  1. Competitive interest rates.
  2. Flexible repayment terms to fit your needs.
  3. Borrow from a not-for-profit credit union you trust.

Student Loan Refinance Details Program

Whether you want to lower your interest rate, pay your loans off sooner, or reduce your monthly payment, we’ve got options to fit your needs.  Don’t delay – take control of your student loan debt today by refinancing with YEFCU!

  • Subject to annual review and credit qualification.  Must meet school’s Satisfactory Academic Progress (SAP) requirements.
  • All loans subject to credit qualification and additional criteria, including graduating from an approved school.

IMPORTANT NOTE: Federal student loans may qualify for payment and interest rate benefits that private student loans do not.  Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.  For more information, visit studentaid.gov or contact your federal student loan services.