Georgia United CU Start Your Application Georgia United Credit Union can help simplify your refinancing experience. Refinance up to $100,000 with rates starting at 3.25% APR† SPECIAL OFFER: Refinance and enjoy no payments and no interest for 3 months1 AND get $2502. IMPORTANT: Federal student loan payments are set to resume after 1/31/2022. Refinance Now CURRENT RATES Fixed Rate Solution Your interest rate and monthly payment will remain the same for the life of your loan. The fixed rate option offers a shorter repayment period than a variable rate option, which could result in a higher monthly payment. Learn More 5-year Repayment Term: 3.25% - 8.75% APR† 10-year Repayment Term: 3.50% - 9.25% APR 15-year Repayment Term: 4.25% - 10.00% APR Important Disclosures and Rate Details Start Your Application COMMON QUESTIONS Is student loan refinance right for me? What is the difference between refi and consolidation? Who is eligible? What types of loans can I refinance? What is the difference between fixed and variable rate loans? Why borrow from a credit union? What Borrowers Are Saying “I began my student debt with another company who promised the moon and the stars, but the interest they charged and the hidden fees were a nightmare. After 3 years with them, I turned to my credit union. I refinanced my debt to make the payments manageable for me. My credit union has shown great compassion and have been a real rock for me. In less than a year, I have paid down the loan more than I did in three years with the other company. THREE YEARS – it is simply amazing! I cannot thank them enough.” – Christopher ADDITIONAL RESOURCES ➀ Personal Support ➁ Guide to Refi ➂ Calculate Savings SPECIAL OFFER DISCLOSURE 3 Months No Payments, No Interest Offer 1To qualify, the loan application must be started between 11/19/2021 and 2/19/2022 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. $250 Cash Offer 2To qualify, the loan application must be started between 11/19/2021 and 12/31/2021. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your credit union savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences. DISCLOSURES †APR = Annual Percentage Rate. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments. Variable rate loans the APR may be increased after consumption. Check our current rates and full disclosures. IMPORTANT NOTICE: Please review carefully if you are considering refinancing your federal student loans. Due to events related to the Coronavirus pandemic, the federal government has announced several measures to assist borrowers during the ongoing crisis, such as temporarily waiving federal student loan interest. Accordingly, we highly recommend that you carefully consider all of your options before refinancing your federal student loans. While all details are not yet known, it’s possible that additional proposals by Congress may impact those with federal student loan debt. Please remember that when you refinance federal student loans into a private student loan, you waive any current and potential future federal student loan benefits. Make sure to explore all available resources, including information on the Department of Education’s website at www.studentaid.gov/coronavirus to understand how these proposals may impact you, so that you can determine if losing current and potential federal student loan benefits outweigh the benefits of refinancing your loans. 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 https://www.studentaid.gov/coronavirus to understand your options. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinance. The maximum amount you may refinance is $100,000. To qualify, you must be eligible for Credit Union membership, at least 18 years old, a U.S. citizen or permanent resident, have graduated from an approved public or private not-for-profit school, and continue to meet Georgia United Credit Union’s underwriting criteria. To apply for this loan, complete the online application. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market). Student Loan Refinance and underwriting is provided by Georgia United Credit Union. Application processing is provided by Credit Union Student Choice on behalf of Georgia United Credit Union. Loan servicing and repayment is provided by University Accounting Service, LLC on behalf of Georgia United Credit Union. Repayment Examples Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments. Check our current rates and full disclosures. Fixed Interest Rate Solution 5 year loan term: 3.25% to 8.75% APR. At 8.75% APR, the monthly payment will be $1,031.86. Finance charges will be $11,911.70. 10 year loan term: 3.50% to 9.25% APR. At 9.25% APR, the monthly payment will be $640.16. Finance charges will be $26,819.63. 15 year loan term: 4.25% to 10.00% APR. At 10.00% APR, the monthly payment will be $537.30. Finance charges will be $46,714.46. CU Student Choice © 2020 All Rights Reserved NMLS #2123582 – NMLS Consumer Access About Rates Contact Privacy Accessibility Learn more about our credit union at gucu.org Wildcard SSL