UPCOMING HOLIDAY CLOSURE: TCT Branches will be closed on Saturday, May 25 & Monday, May 27 for Memorial Day.  You can do many banking transactions with DIY Banking.

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Student Loan Refinance

Take Control of Your Student Loan Repayment

Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.*

  • Competitive interest rates - Check them out! View Refinance Rates
  • Refinance up to $75,000
  • Flexible repayment terms to fit your needs
  • Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
  • Borrow from a not-for-profit credit union you can trust

Learn more and apply online today!



For assistance prior to refinancing loan disbursement, contact a Student Loan Refinance Specialist at 844-826-7779

*Federal student loans may qualify for payment and interest rate benefits that private student loans do not. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. For more information, visit studentaid.gov or contact your federal student loan servicer.

Student Loan Repayment Articles

Guide to Student Loan Refinance

Should I Refinance My Student Loans?

Every student loan situation is unique. Read the Guide to Refinance to learn about what to consider before deciding if you should refinance.


GreenPath Student Loan Repayment

Connect to free debt and student loan counseling

TCT Members have access to free counseling with our partner, GreenPath. 

Visit studentaid.gov and use the Loan Simulator tool.

Call GreenPath for help with budgeting and managing other debt.



Personalized Support

If you have additional questions regarding your student loan account or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 877-530-9782 to speak with a UAS servicing agent. University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at www.studentchoiceconnect.com. Payments by mail should be sent to the University Accounting Service, PO Box 5879, Carol Stream, IL 60197-5879.


Student Loan Refinancing FAQs

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Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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