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Student Loans
Reduce the cost of your loans by consolidating and refinancing
Graduates save an average of $14,752 when they consolidate and refinance with us
Rates and Terms
We offer two low rate options, and your choice of 5 or 15-year terms, providing you
the opportunity to optimize your payments. Choose the plan that best fits your needs.
Bank-Beating Rates
Borrowing Flexibility
Federal & Private Loans
With our credit union, you’ll be awarded much lower interest rates than you’d
find at a traditional bank.
USC Credit Union allows you to find the optimal range for your loan, allowing you freedom to pay off your loans comfortably.
We can help you consolidate and refinance your student loans for both federal and private student loans.
Take advantage of your available equity today!
I'm Ready to Start Saving
Total in
Student Loans
School of
Graduation
Year of
Graduation
City of
Residence
Start Saving By Consolidating & Refinancing Today
rates start at
1.70%
VARIABLE
Federally Insured by NCUA | ABA Routing #322079557
We pass along our profits to you.
2015 USC Credit Union, All rights reserved.
*Please read below for USC Credit Union's full disclosures, rate details, terms and conditions.
Terms and Conditions:
For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater. Membership is required. Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. All accounts are subject to approval process. Terms and Conditions Apply. USC CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident and meet USC Credit Union's underwriting requirements. This information is current as of March 31, 2015 and is subject to change.
Variable Rate:
1.70% annual percentage rate (APR) effective 10/1/15 – 12/31/15. 60 monthly payments of $17.40 per $1,000 borrowed. Borrowing $20,000 at 1.70% accrues $1,043.81 in interest during the 5 year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the variable interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Variable rates from 1.70% APR to 4.70% (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 11.95%. Lowest variable rate of 1.70% APR assumes current 3-month LIBOR rate of 0.33% plus 1.62% margin and subtracting the 0.25% AutoPay discount. AutoPay is a voluntary repayment benefit managed by USC Credit Union that awards a 0.25% interest rate reduction to borrowers that elect to have their monthly payments electronically deducted from a designated checking account. The AutoPay benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a checking account. Ask a USC Credit Union representative for more details or how to enroll in AutoPay. For the USC Credit Union variable rate loan, the 3-month LIBOR index will adjust quarterly and the loan payment will be re-amortized and may change quarterly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The above figures assume no changes in the LIBOR index, no pre-payments, no additions to the loan principal, and all payments made in a timely manner over the life of the loan. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure.
Fixed Rate:
3.45% annual percentage rate (APR) effective 10/1/15 – 12/31/15. 60 monthly payments of $18.03 per $1,000 borrowed. Borrowing $20,000 at 3.45% accrues $1,631.82 in interest during the 5 year repayment term. These monthly payments and accrued interests are for illustration purposes only. Lowest fixed rate of 3.45% assumes enrollment in AutoPay. AutoPay is a voluntary repayment benefit managed by USC Credit Union that awards a 0.25% interest rate reduction to borrowers that elect to have their monthly payments electronically deducted from a designated checking account. The AutoPay benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a checking account. Ask a USC Credit Union representative for more details or how to enroll in AutoPay. If approved for a loan, the fixed interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. For further information on rates and costs for the Fixed Rate Student Loan Consolidation and Refinance, see the Application Truth in Lending Disclosure.
To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. In order to take advatage of the interest rate discount you may enroll by visiting one of our branches or by giving us a call at (877) 670-5860. The USC Credit Union 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a USC Credit Union checking account. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied.
USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.
Student Loans
Reduce the cost of your loans
by consolidating and refinancing
Bank-Beating Rates
With our credit union, you’ll be awarded much lower interest rates than you’d find at a traditional bank.
Borrowing Flexibility
USC Credit Union allows you to find the optimal range for your loan, allowing you freedom to pay off your loans comfortably.
Federal & Private Loans
We can help you consolidate and refinance your student loans for both federal and private student loans.
We pass along our profits to you.
2015 USC Credit Union, All rights reserved.
M-F 9:00am - 5:00pm PST
Choose Your Loan
Fixed or Variable
1
>
Get Pre-Approved
With USC Credit Union
2
3
Upload Your
Required Documents
>
4
eSign Your Agreement
And You're Done!
>
Variable Rate
Rates (APR) start from:
1.70 % to 4.87 %1
Fixed Rate
Rates (APR) start from:
3.45 % to 6.88 %2