DCU Routing Number: 211391825
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Student Refinance Loan
Take control of your student loan repayment by refinancing and consolidating
At a Glance
Take control of your student loan repayment by refinancing with DCU. Featuring a competitive interest rate and zero origination fees, our refinance loan can help you simplify your life while amplifying your funds.
VARIABLE RATE STUDENT REFINANCE LOANS
MAXIMUM AMOUNT
Repayment Terms
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
FIXED RATE STUDENT REFINANCE LOANS
MAXIMUM AMOUNT
Repayment Terms
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Benefits
- Manage your loan - by setting up one convenient payment.
- Flexible repayment terms - to fit your needs.
- Refinance and consolidate - your private and federal student loans (including PLUS loans) .
Variable Rate Student Refinance Loan Rates
The APR is variable¹ and is based on the Prime index² plus a margin³. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered variable rates are⁴:
| Repayment Term | APR¹ |
|---|---|
| 5-Year | between 7.50% and 12.25% |
| 10-Year | between 7.75% and 12.75% |
| 15-Year | between 8.50% and 13.25% |
¹Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.
¹APR = Annual Percentage Rate is variable, subject to increase after consummation, and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.
²The "Index" for the quarter beginning October 1, 2023 is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of September 2023. The interest rate will not exceed 18.00% regardless of the Index.
³Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.
⁴Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower's and co-borrower's (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.
All loans are subject to approval and restrictions may apply.
Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount.
- Variable 5 Year: Your estimated monthly payments are $1,118.55 and you will pay $17,112.96 in interest over the life of the loan.
- Variable 10 Year: Your estimated monthly payments are $739.20 and you will pay $38,703.89 in interest over the life of the loan.
- Variable 15 Year: Your estimated monthly payments are $640.87 and you will pay $65,356.28 in interest over the life of the loan.
Fixed Rate Student Refinance Loan Rates
The APR is fixed¹ for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered fixed rates are:
| Repayment Term | APR¹ |
|---|---|
| 5-Year | between 8.50% and 13.25% |
| 10-Year | between 8.75% and 13.75% |
| 15-Year | between 9.50% and 14.25% |
¹Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.
¹APR = Annual Percentage Rate is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.
All loans are subject to approval and restrictions may apply.
Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount.
- Fixed 5 Year: Your estimated monthly payments are $1,144.06 and you will pay $18,643.77 in interest over the life of the loan.
- Fixed 10 Year: Your estimated monthly payments are $768.83 and you will pay $42,260.09 in interest over the life of the loan.
- Fixed 15 Year: Your estimated monthly payments are $674.29 and you will pay $71,372.17 in interest over the life of the loan.
Plan for Your Student Loan
Choose from our easy to use calculators to plan for your student loan.
- How long will it take to pay off my student loan?
- What is my loan rate?
- How much will my student loan payments be?
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Contact
Let's talk student loans.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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