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
Is Refinancing Right for You?
Student loan refinance may forfeit federal student loan benefits.
- See federal benefits at www.studentaid.ed.gov
- Read the Private Education Loan Application and Solicitation Disclosure
- 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
- 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|
|5 Year Fixed||As low as 3.49%|
|10 Year Fixed||As low as 3.99%|
|15 Year Fixed||As low as 4.79%|
1APR=Annual Percentage Rate. All rates advertised are based upon borrower’s qualifications and loan amount.
To contact a 3Rivers college funding advisor, email StudentLoans@trfcu.org 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.