* APR = Annual Percentage Rate. For Private Student Loans: Rates shown include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.** For Student Loan Refinance: Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.** Variable rates subject to increase after consummation. Rates vary by credit union and depend on credit union membership eligibility. Please use our search tool to find the lowest rate for which you may be eligible.

^** The APR will not fall below the floor rate regardless of the index or any additional rate discount.

^† Remember that by refinancing federal student loans, you will lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans.

^◊ Subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements.

^◊◊ Subject to credit qualification and additional criteria, including graduating from an approved school. Savings or lower interest rates are not guaranteed and depend on your individual financial profile, loan terms, and credit history.

Using the free student loan payment calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.