Refinance Your Student Loan

Once you graduate college, it’s time to start paying off your student debt. Refinance your federal and private student loans with 3Rivers and receive 1% cash back up to $500*. We even offer optional debt protection.

Some additional benefits of refinancing your student loans could include:

  • Save money with a lower interest rate** Find out how much you can save here.
  • One easy payment to eliminate the hassle of multiple loans

Apply Today

Is Refinancing Right for You?

Take this one-minute quize to help you decide

Student loan refinance may forfeit federal student loan benefits. 


  • Graduated from college
  • Student and co-signer (if applicable) have a checking or savings account at 3Rivers
  • U.S. citizen or permanent resident
  • Student (and co-signer if applicable) meet(s) the income and credit score requirements**

Eligible Student Loans:

  • Federal Student Loans
    • Direct PLUS, Graduate PLUS and Parent PLUS
    • Stafford Subsidized and Unsubsidized Loans
    • Federally Consolidated loans
    • FFELP Program Loans
  • Private Student Loans
    • Including loans already consolidated or refinanced
  • Institutional Student Loans
  • 3Rivers Undergraduate and Graduate loans

Ineligible Student Loans:

  • Federal Perkins Loans
  • Institutional Loans granted from non-Title IV schools
  • Personal Loans or credit cards used for school expenses

Documents needed

  • W2 and latest pay stub
  • Payoff statement for each loan
  • Valid driver’s license or state issued ID
  • College diploma or official transcript
  • Additional documents may be requested

Rates & Terms

Student Loan Refinancing
Program Name APR1
5 Year Fixed As low as 3.79%
10 Year Fixed As low as 4.29%
15 Year Fixed As low as 4.99%
1APR=Annual Percentage Rate. All rates advertised are based upon borrower’s qualifications and loan amount.

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Contact Information

To contact a 3Rivers college funding advisor, email or call 260.399.8265.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

*Offer valid on new money only. If refinancing existing 3Rivers loan, a minimum of $5,000 new money is required to get the cash back offer. Only new money is eligible for the 1% cash back. $5,000 minimum loan amount. Maximum cash back rebate of $500 per loan or 1% of amount financed, whichever is less. Rebate will be credited within 30 days of loan disbursement and is valid on any qualifying unsecured term loan that is a new loan to 3Rivers. Loan must remain at 3Rivers a minimum of 180 days or rebate amount will be added to loan upon payoff. No other offers/discounts apply, including rate discounts. 3Rivers may amend, suspend, or discontinue offer at any time without notice.
**Subject to qualification