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 4.00% 6.25%


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 - $30,000
  • Terms from 12-60 months

Learn More

Apply Now

Apply for a SEFCU Consolidated Student Loan today

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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...

* Annual Percentage Rate is variable and is based on the 3 Month LIBOR Rate. The Annual Percentage Rate is subject to change quarterly and will be determined by the 3 Month LIBOR Rate 45 days prior to the first day of January, April, July, and October plus a margin and rounded up to the nearest 0.25%. Rates accurate as of October 18, 2019 and subject to change without notice. Rate listed assumes credit worthiness. Minimum $35 monthly payment.