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Refinance your Student Loan with Star One

Open a new refinance student loan with Star One and get no payments and no interest for 3 months2.

Refinance student loan debt—up to $125,000

Rates starting at 4.50%* APR 1

Find My Rate

It takes only two minutes and won't affect your credit score.***

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

Impacted by the Coronavirus Pandemic? We're here to help.

Benefits of refinancing with Star One

Better rates mean more savings. Check our rates

Zero application, origination, or prepayment fees.

Repayment terms that fit your needs.

Friendly support when you need it.

0.25% Rate discount for automatic payment—just for being a member.

Co-signers, if any, can be removed after consistent payments.3

Your student loan refinance is easy, fast and can be done entirely online

  1. Get pre-qualified online in just two minutes. We’ll let you know if you’re qualified before you finish the full application.
  2. Select your rate and term, and potentially save on your monthly payment on the total student loan interest.
  3. Verify your info and sign. Upload screenshots of your information, then sign your paperwork electronically.
  4. Switch to a low-rate monthly payment. We pay off your servicer(s) and issue you one new student loan.

Student Loan Debt Refinance - fixed rate

Annual Percentage Rate Range



- 8.50

% ****

Monthly payment per $1000:****
5 years max. term: $18.53 - $19.45
10 years max. term: $10.61 - $11.62
15 years max. term: $8.18 - $9.85

Student Loan Debt Refinance - variable rate

Annual Percentage Rate Range



- 8.25

% ****

Monthly payment per $1000:****
5 years max. term: $18.64 - $19.57
10 years max. term: $10.48 - $11.48
15 years max. term: $8.30 - $9.70

Student loan refinance

Find My Rate

It takes only two minutes and won't affect your credit score.***

if you're ready

1. APR= Annual Percentage Rate

* Subject to qualification, and 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.

*** To check the rates and terms you qualify for, Star One Credit Union will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

**** Your APR based on credit qualification. Floor 4% for variable-rate refinance programs. Cap 18.00% applies to all student loans. Refinance rates include a 0.25% discount for optional enrollment in automatic electronic payments.

2. 3 Months No Payments, No Interest Offer. To qualify, the loan application must be submitted by 10/12/2022 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.

3. Loan payment deferment programs may delay the co-signer release. Please inquire for details.