Consolidate and refinance your student loans online, through a not-for-profit
credit union.

About cuStudentLoans



cuStudentLoans is a network of 150+ not-for-profit credit unions who use LendKey's online lending
platform to provide members with affordable student loan products. cuStudentLoans offers borrowers
two products: the cuScholar Private Student Loan and cuGrad Student Loan Refinancing.


cuGrad Student Loan
Refinancing can help you consolidate and refinance your student loans into a loan with a lower interest rate.


cuScholar Private Student
Loans allows you borrow through a not-for-profit credit union, ensuring that a college education is as affordable as possible.

Resource Center

Visit our Resource
Center for a financial aid glossary, student loan payment calculator, and complimentary educational content.

cuGrad from cuStudentLoans - powered by LendKey cuScholar from cuStudentLoans - powered by Lendkey College Resource Center - by LendKey
cuStudentLoans logo

Better Rates From Credit Unions

Credit unions are not-for-profit financial institutions that are owned by their members.
Their main purpose is to serve the financial needs of their membership (that could be you).
Because of this mission, credit unions are on the forefront of providing thrift and
high value financial products and customer service to their membership.

All loans from cuStudentLoans are funded by not-for-profit credit unions that
use LendKey's online lending platform. This allows credit unions to keep operating
costs low and pass on the savings directly to you.

Forbearance (Hardship) Available

2.77% APR


Lowest Variable Rate
(15 year term)1




3.49% APR

3.055% APR

3.71% APR

No Fees

Cosigner Release2



Wells Fargo



cuStudentLoans logo

Not all applicants qualify for the lowest rate. Rates for Wells Fargo, SoFi, and CommonBond
are based on data compiled in March 2015 from company websites.

Refinance Today

 It's easy to apply for the cuScholar and cuGrad Loans.
All you have to do is follow these simple steps!






Confirm your eligibility by completing an application in under 10 minutes.

Upon conditional approval upload a few required documents.

Receive final approval and review and accept the final disclosures and terms.

Applying is Quick and Easy!


Refinance Today

Why Refinance Your Student Loans?

Many agree, the student loan marketplace has experienced a breakdown where degree
holders with established credit and stable incomes may still be stuck paying 7.9% on old
Federal Grad Plus loans or 6.8% on unsubsidized Direct loans issued in prior years.
Haven’t good borrowers earned a break? In virtually any other debt, ranging from mortgages
to credit cards, gaining an option to refinance and reduce interest costs is greatly
welcomed especially for those that have improved their credit over time.

Student loan borrowers are a perfect candidate for refinancing, as their credit and income
tends to improve greatly after successfully graduating, but they have had little recourse. Until now!
By refinancing with cuStudentLoans, students can take control of their debt repayments, have more money in their pockets and save time with a single payment each month.

Refinance Today


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1. This is a variable rate loan, meaning that your rate may change after consummation.  Rates may change monthly and are based on the average of the 1-Month London Interbank Offered Rate (LIBOR) as reported by the Wall Street Journal two business days prior to the 8th of each month.  The rate advertised above assumes that the borrower enrolls in automatic ACH payments and receives the .25% rate reduction.  There is an interest rate floor of 2.75%.  Please review the Application and Solicitation Disclosure for additional information. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.

2. In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.


3. IMPORTANT NOTICE REGARDING THE REFINANCING OF YOUR FEDERAL STUDENT LOANS: Please be aware that you may potentially lose certain benefits associated with your federal student loans by refinancing such federal loans with a private student loan consolidation.  These benefits may include favorable repayment options, loan and fixed interest rates, extended loan terms, and loan forgiveness.  We strongly advise that you seek professional advice and examine our benefits and options before refinancing your federal loans.  It is important to us that you are comfortable with potentially forfeiting benefits that may not be offered through our consolidation loan





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