Forbearance (Hardship) Available

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

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Better Rates From Credit Unions

All cuStudentLoans loans are funded by credit unions and powered by LendKey. Credit unions
are not-for-profit institutions that are owned by their members. They aim to provide affordable,
high value financial products and customer service to their members - one of which could be you.
These community lenders keep their operating costs low and pass the savings directly to you.

Lowest Variable Rate
(15 year term)1

2.92% APR

3.49% APR

3.06% APR

3.40% APR

No Fees

Cosigner Release2


Consolidate Federal and Private Loans3

Wells Fargo



cuStudentLoans logo


Consolidate your student loans through our network of not-for-profit credit unions, and save thousands.

Start Saving Now

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.

cuStudentLoans logo
cuGrad from cuStudentLoans - powered by LendKey


cuGrad Student Loan
Consolidation can help you refinance and consolidate your student loans into one loan with a low interest rate and low monthly payment.

cuScholar from cuStudentLoans - powered by Lendkey


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

College Resource Center - by LendKey

Resource Center

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

Follow these three simple steps to apply for our low rate and low monthly payment loan.






Confirm your eligibility by
filling in an application that takes no more than 10 minutes to complete.

Upon conditional approval,
you’ll need to upload a few required documents.

Once you receive final approval and review, you’ll just need to accept the final disclosures and terms.

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Applying = Quick and Easy!


Why Consolidate Your Student Loans?

Even with established credit and stable incomes, college graduates may feel overwhelmed
by their student loans - especially if they’re still paying 7.9% on old Federal Grad Plus loans or
6.8% on unsubsidized Direct loans that were issued years ago. If you’re in this boat, you deserve a break - and cuStudentLoans can help.

Graduates who are successfully moving forward with their careers are perfect candidates
for loan consolidation: their credit scores and income are on the rise and will continue
to improve in the future.  cuStudentLoans can help you to leverage this enhanced financial
status by allowing you to take control of your debt repayments, keep more money in
your pocket, and save time with a single payment each month.


Consolidate Today

LendKey online loans on American Banker


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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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