Consolidated Student Loan


One rate, one monthly payment

Tired of juggling all your student loans? A SEFCU Consolidated Student Loan lets you combine them into one monthly payment.  


No co-signer needed

Although it may help you qualify for the loan or for a lower interest rate         

Features & Benefits

Simplify your student loans

  • Combine qualified private student loans into a single monthly payment
  • Consolidate $5,000 - $50,000 in undergraduate student loans
  • Consolidate $5,000 - $75,000 in graduate student loans
  • Degree must be from an accredited school
  • Take 15 years to repay



What's needed to apply

  • Two years of consistent employment
  • Five years of credit history
  • Copy of transcripts
  • Proof of income
  • Provide 1098E


Current Rates

Approximate Repayment Term Percent Above Index APR* as low as
180 months 1.25% 8.75%


See which is best for you

Consolidated Student Loan

  • Variable-rate loan
  • Consolidate $5,000 - $50,000 for undergraduate school
  • Consolidate $5,000 - $75,000 for graduate school
  • Take approximately 180 months to repay


Personal Loan

  • Fixed-rate loan
  • Borrow $500 - $25,000
  • Terms from 12-60 months

Learn More

Apply Now

Apply for a SEFCU Consolidated Student Loan today

Current SEFCU member?

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Visit a branch near you

Call 800-727-3328


Financial Education



Consolidated Student Loan

Helps graduates repay loans

Variable-rate loan

Consolidate undergraduate or grad school loans

Full repayment begins immediately


Learn More

More to think about...

Online Loan Payments

Online loan payments

Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required. 
* Annual Percentage Rate (APR) is variable and is based on the Prime rate published in the Wall Street Journal. The APR is subject to change quarterly and will be determined by the Prime rate 45 days prior to the first day of January, April, July, and October plus a margin. APR is subject to increase after consummation. Rate listed assumes creditworthiness. Other rates and terms may apply. Monthly payment example: a $25,000 loan at 8.50% APR for 180 months, with no additional payment protection would be $247.11. Rates accurate as of February 2, 2023 and subject to change without notice. Published rate is for new SEFCU loans.