Refinancing Made Easy

Special Offer: No payments & no interest for 3 months, PLUS a $250 Bonus!*

Education lasts a lifetime. Paying for it shouldn't.

Overwhelmed by student loan debt? You're not alone.


Juggling multiple loan payments at different interest rates can put a real damper on your financial future.

Fortunately, we have a solution!

By refinancing with TCU, you can consolidate your student debt into one easy-to-manage loan, potentially reducing your monthly payment and saving money on interest charges in the process. Even if you have only one student loan, refinancing with us could provide you with repayment options you may not have with your current lender.
We make it easy to refinance almost any type of graduate or undergraduate student loan, whether it's private, federal, a loan from your school, and even PLUS loans.

  • Borrow up to $100,000
  • No origination fees
  • No prepayment penalties
  • Choose from a fixed or variable rate
  • No co-signer required**

Don't miss out on these great benefits!*

• All new loans approved and funded by January 31, 2022 qualify for a $250 CASH BONUS that you can use any way you want!
• Make no payments and pay no interest for the first 3 months on new loans approved and funded by February 19, 2022!

How much could you save?

Our competitive interest rates could end up saving you money over the life of your loan.


3.75% (5-year repayment, $274.56/mo)

4.25% (10-year repayment, $153.66/mo)



4.75% (5-year repayment, $281.35/mo)

5.25% (10-year repayment, $160.94/mo)




Refinancing can be a good option for college graduates who are:

  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school (a bachelor's degree is the minimum required)

  • At least the age of majority in your state of residence. Please note, in most states, you must be at least 18 years old. You must be 19 years old in Alabama. You must be 21 years old in Mississippi and Puerto Rico. If you are not the age of majority in your state you may qualify with a cosigner who is or other unique circumstance that would allow you to qualify.

  • In repayment or grace on one or more outstanding private or federal student loans

  • Able to meet Teachers Credit Union's standard underwriting criteria (a cosigner may be necessary and may also help you qualify for a lower rate)

  • Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded)