Refinance Student Loans

Refinance Student Loans

Refinance existing student loans to lower or reduce monthly payments

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Refinance Student Loan Rates as low as

APR Effective 12/1/2019*


Student Refinance Loan

Fixed Rate


Parent Refinance Loan

Fixed Rate

*See important information about rates, fees and other costs

Why Refinance Your Student Loans? 

Refinancing your student loans may lower your monthly loan cost. If you have good credit and a stable job, the lower interest rates may save you money. Refinancing may also be a consideration for student graduates looking to consolidate multiple loans.

Features and Benefits 

  • No origination fee (BECU doesn't charge you an application fee to process the loan)
  • 0.25% APR interest-rate discount when you sign up for automatic payments
  • No prepayment penalty


  • Be a BECU Member  (it's free to join)
  • Students must have graduated from an eligible school.
  • Parents are eligible to refinance federal ParentPlus or private student loans too. 
  • You and your co-signer (if applicable) must be U.S. citizens or permanent residents 
  • Legal adult in the state in which you reside (age 18 in most states) 

Co-Signer Information 

  • Co-signers aren't required for Refinance Loans, but applying with a cosigner could help you secure the best possible rate, and therefore lower your monthly payment. 
  • Co-signers may be released after 24 on-time, consecutive payments

Manage Existing BECU Student Loans


About LendKey 

  • 4.5 star rating on Nerdwallet.

  • Has an established online presence in the Student Lending space since 2009

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