To be eligible to refinance, you must be a college graduate who is:

• A U.S. citizen or permanent resident who has graduated from an approved public or private not-for-profit school
• In repayment or grace on one or more outstanding private or federal student loans
• Able to pass a credit check (a cosigner may be necessary in order to meet credit criteria, and may help you qualify for a lower rate)
• A member of the credit union (the cosigner, (if applicable) must also be a primary account holder OR a joint-account holder at the credit union)