Due to the ongoing pandemic, the federal government has suspended interest and monthly payments on federal student loans through January 31, 2022. If you have federal student loans, we recommend reviewing your current and potential future benefits before refinancing. PHONE HELP CONTACT PHONE NUMBER 888-549-9050 APPLY MAIN NAVIGATION MENU Refinance Student Loans Refinance your existing student loans with TwinStar Credit Union to lower your monthly payments and reduce the interest rate. * View Terms and Conditions Variable Rate ** View Conditions for Variable Rates as low as 1.90% APR (with autopay † View Conditions for Autopay Discount ) Fixed Rate as low as 2.49% APR (with autopay † View Conditions for Autopay Discount ) APPLY NOW WHY BORROW WITH US? Competitive Interest Rates We can help you replace those high interest rates with a rate that better fits your budget and lifestyle. Flexible Rates and Terms Pay your loan off quickly, or keep your monthly payments as low as possible — the choice is yours. 0.25% Interest Rate Reduction Set up recurring monthly payments and enjoy a reduced interest rate. † View Conditions for Autopay Discount Release Your Cosigner Give more flexibility to your cosigner by releasing them from your loan after making 12 consecutive on-time full principal and interest payments. ‡ View conditions for cosigner release Borrow What You Need Refinance up to $125,000 in undergraduate student loan debt or $250,000 in graduate debt. 15 Minutes & Done Complete your entire application online in under 15 minutes. SHOW MORE ARE YOU ELIGIBLE? In addition to TwinStar Credit Union's underwriting criteria, you must also meet the following eligibility requirements: You and your cosigner (if applicable) are US citizens or permanent residents. You've graduated from an eligible school. You're refinancing private and/or federal loans. If you have loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), they're not eligible for refinancing. You're a member of TwinStar Credit Union (or become a member during the online application process). Have a Question? 888-549-9050 Monday to Friday: 9:00 AM - 8:00 PM ET * Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your initial rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet TwinStar Credit Union's credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from TwinStar Credit Union, you must be a member of TwinStar Credit Union. If you are not a member of TwinStar Credit Union, you may apply and become a member during the loan application process. Certain membership requirements (including the opening of a share account, a minimum $5.00 share account deposit, and the payment of any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offered from TwinStar Credit Union. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. **APRs for variable rate loans may increase after origination if the SOFR index increases. See Rates & Terms for additional information. †If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments. ‡Cosigner release is subject to lender approval. In order to qualify, the borrower must submit a request and the borrower must meet the following requirements: (1) make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower's credit agreement during the repayment period immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults on a student loan or with TwinStar Credit Union. Powered by Rates & Terms Opens in new window LendKey’s Privacy Policy Opens in new window © 2021 LendKey Technologies, Inc. All Rights Reserved Return to Top