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Student Loans

Student loans through Star One Credit Union can help fill gaps in your student-loan coverage.

Undergraduate and Graduate Student Loans

Student loans through Star One Credit Union can help fill gaps in your student-loan coverage. Scholarships, grants and federal student loans might not cover the total of your expenses.

  • Undergraduate student loans
    This student loan establishes a one-time line of credit of up to $75,000* which may be drawn upon over several years. Learn more.

  • Graduate business-school student loans
    This student loan provides a one-time line of credit of up to $100,000* for use over multiple years. Learn more.

Student Loan Refinance

  • Refinance your existing student loans
    Refinance private and federal** student loans (including PLUS and Parent PLUS) for savings, convenience and a potentially lower rate. Learn more.

Why student loans through Star One?

Star One Credit Union student loans result from a partnership with CUSC (Credit Union Student Choice Program) to pass on to members the advantage of credit-union rates and fees that are lower than typical private student-loan lenders.

  • Lower interest rates
  • Zero origination fees
  • Deferment of principal AND interest while in school
  • Flexible repayment terms
  • Co-signers, if any, can be removed after consistent payments
  • Graduated repayment to make monthly payments more manageable

Student Loan Interest Rates

Student Loans - Undergraduate

Annual Percentage Rate Range

5.75

%

- 8.75

% ****

Monthly payment: $7.03 - $8.85 per $1,000, Variable rate, 20 years maximum term*****

Student Loans - Graduate

Annual Percentage Rate Range

5.00

%

- 8.00

% ****

Monthly payment: $6.61 - $8.37 per $1,000, Variable rate, 20 years maximum term*****

Student Loan Refinance - fixed rate

Annual Percentage Rate Range

3.50

%

- 6.45

% ****

Monthly payment per $1000:****
5 years max. term: $18.20 - $18.88
10 years max. term: $10.25 - $10.98
15 years max. term: $7.89 - $8.69

Student Loan Refinance - variable rate

Annual Percentage Rate Range

2.20

%

- 4.70

% ****

Monthly payment per $1000:****
5 years max. term: $17.62 - $18.29
10 years max. term: $9.52 - $10.23
15 years max. term: $7.01 - $7.76


Student Loan Application and Information

Apply to Refinance a Student Loan

* Subject to qualification and annual credit review. Loans available for study at approved schools only.

** By refinancing federal student loans, you may lose certain borrower benefits from your original loans, such as interest-rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.

**** Your APR based on credit qualification. Floor 5% for undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

***** 25-year term available for loans equal to or greater than $40,000.