OverviewOne rate, one monthly paymentTired of juggling all your student loans? A SEFCU Consolidated Student Loan lets you combine them into one monthly payment. |
 No co-signer neededAlthough it may help you qualify for the loan or for a lower interest rate |
Features & BenefitsSimplify your student loans
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Requirements
What's needed to apply
- Two years of consistent employment
- Five years of credit history
- Copy of transcripts
- Proof of income
- Provide 1098E
Rates
Current Rates
| Sub-Account Description | Approximate Repayment Term | Percent Above Index | APR* as low as |
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| Variable-rate Student Loan | 180 months | 1.25% | 8.25% |
Compare
See which is best for you
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Consolidated Student Loan
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Personal Loan
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Apply Now
Apply for a SEFCU Consolidated Student Loan today
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Current SEFCU member? Apply Today |
Not a member? Join SEFCU |
Consolidated Student Loan
Helps graduates repay loans
Variable-rate loan
Consolidate undergraduate or grad school loans
Full repayment begins immediately
More to think about...
IRA Share Certificate
Fund Your Retirement
Consult your tax advisor
Grow your money faster than traditional savings
Online Loan Payments
Online loan payments
Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer
Share Certificate
Grow Your Savings
Open with just $500
Terms from three months to five years
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 7.50% APR for 180 months, with no additional payment protection would be $232.42. Rates accurate as of December 2, 2022 and subject to change without notice. Published rate is for new SEFCU loans.