Student Loan Refinancing

True Sky Credit Union offers refinancing on your existing student loans. Our competitive interest rates could potentially reduce your monthly payments, freeing up some money for the things you love! Combine your loans today and extend your repayment term up to 15 years.


  • Reduce your interest rate
  • Consolidate multiple loans with multiple lenders into a single loan
  • Reduce your monthly payment obligation and set up for automatic payment


Student Loan Refinance (Variable Rate)

Rate (% APR) as low as 3.60%
Repayment Term 60 Months
Repayment Example 60 monthly payments of $18.24 for every $1,000 financed.
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APR = Annual Percentage Rate. Rate effective as of 5/1/18 and subject to change at any time.

Student Loan Refinance (Fixed Rate)

Rate (% APR) as low as 4.50%
Repayment Term 60 Months
Repayment Example 60 monthly payments of $18.65 for every $1,000 financed.
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APR = Annual Percentage Rate. Rate effective as of 5/1/18 and subject to change at any time.

Student Loan Option Disclosures

*All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. Refinancing is only available for applicants with qualified private education loans from an eligible institution. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from the Credit Union. Loans will never have a full principal and interest monthly payment of less than $50.00. Your actual rates and repayment terms may vary. See the Program Rules for additional details.

VARIABLE RATE 

*Annual Percentage Rate (APR). A variable interest rate may change quarterly during the life of the loan and is based on the index plus margin. The index is the Prime Rate published in the “Money Rates” section of The Wall Street Journal (“WSJ Prime”) on the 15th day of the month preceding the applicable change date as applied by the program’s applicable rules. The margin is based on the credit evaluation at the time of the application and does not change. This may result in a change to the monthly payment, the number of payments to repay the loan, or both. As of April 1, 2018, the Prime Rate is 4.75% and the example presumes a margin of .75%. The example is based on estimates only and the borrower making monthly payments for the defined term. Not everyone will qualify for the best rate. Rates and terms are subject to change without notice. Other restrictions may apply.

FIXED RATE 

*Annual Percentage Rate (APR). A fixed interest rate is set at the time of application and does not change during the life of the loan. The payment example is based on estimates only. Not everyone will qualify for the best rate. Rates and terms listed are subject to change without notice. All loans are subject to individual approval and adherence to underwriting guidelines. Rate effective as of April 1, 2018.