Combine multiple education loans (government and private) into a single loan with one monthly payment.
Low RatesVariable rates as low as 3.49% APR1. Fixed rates as low as 3.49% APR2.
Flexible repayment terms to fit your budget - select 5, 10 or 15 years.
Consolidate federal and private student loans, including PLUS loans, up to $150,000.
No application, no origination and
no pre-payment penalty fees.
new lower rate and term. Calculate Savings
Choose which interest rate works best for you:
As rates rise and fall according to the market index, your monthly payment may change over time.
Get a fixed monthly payment with a rate that doesn't change over time.
Find answers to the most commonly asked questions.Learn More
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To learn more, talk to a student loan specialist.
Loans are subject to approval. Rates, terms and conditions subject to change without notice.
APR = Annual Percentage Rate
1Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.26% and +2.75% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.
2Fixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.
Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.