# LendKey: Refinance Student Loans With Credit Unions \& Local Banks

> Get loans for college, refinance your federal and private student loans or get a home improvement loan to make your dreams come true\. We are here to help\!

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## Pages
- [Veterans Education Calculator](https://www.lendkey.com/veterans-education-calculator/)
- [Refinance Your Federal \& Private Student Loans Together](https://www.lendkey.com/student-loan-refinancing/refinance-federal-and-private-student-loans/)
- [Financial Aid Office Resources](https://www.lendkey.com/schools/)
- [Disclosures](https://www.lendkey.com/disclosures/)
- [Refer a Friend](https://www.lendkey.com/refer-a-friend/)

## Posts
- [What’s the Difference Between Refinancing and Consolidating Student Loans?](https://www.lendkey.com/blog/student-loan-refinancing/whats-the-difference-between-refinancing-and-consolidating-student-loans/): Refinancing and consolidating student loans aren't the same thing\. Here's what sets them apart and which option could work best for you\.
- [Student Loan Options for Non\-Traditional Students](https://www.lendkey.com/blog/student-loans/4-student-loan-options-for-non-traditional-students/): Compare student loan options for non\-traditional students, including federal aid, private loans, and alternative ways to pay for college\.
- [What is the Maximum Amount to Borrowing Student Loans?](https://www.lendkey.com/blog/paying-for-school/what-is-the-maximum-amount-of-loans-i-can-take-on/): Private and federal student loans have different limits, and how much you can borrow depends on your school's certified cost of attendance, federal caps, and any financial aid you receive\.
- [RAP vs\. Standard Repayment Plans: What Borrowers and Parents Should Know](https://www.lendkey.com/blog/federal-student-loans/rap-vs-standard-repayment-plans/)
- [SAVE Plan Changes Explained: What Happens Next for Student Loan Borrowers?](https://www.lendkey.com/blog/federal-student-loans/save-plan-changes-explained/)

## Resources
- [Cosigners](https://www.lendkey.com/blog/resources/the-ultimate-guide-to-student-loan-refinancing-3/)
- [Paying for College 101](https://www.lendkey.com/blog/resources/paying-college-101/)
- [Refinancing Federal \& Private Loans](https://www.lendkey.com/blog/resources/the-ultimate-guide-to-student-loan-refinancing-2/)
- [Student Loan Calculator](https://www.lendkey.com/blog/resources/student-loan-calculator/)
- [How to Consolidate Student Loans](https://www.lendkey.com/blog/resources/consolidate-student-loans/)

## Lending Insights
- [How a 90\-Year\-Old Credit Union Found Its Youth Again](https://www.lendkey.com/lend/blog/digital-lending-insights/how-a-90-year-old-credit-union-found-its-youth-again/): See how a 90‑year‑old credit union used LendKey’s student‑lending program to fund $21\.2M, add 400\+ new members, and lower average member age while keeping operational lift minimal\.
- [No Way But Up: The Growth Opportunity for Credit Unions](https://www.lendkey.com/lend/blog/digital-lending-insights/no-way-but-up-the-growth-opportunity-for-credit-unions/): Credit unions that invest in education lending as a generational growth strategy—not a sideline—will secure member loyalty for decades\.
- [Why Credit Unions Need a Strong Loan Participations Strategy](https://www.lendkey.com/lend/blog/digital-lending-insights/why-credit-unions-need-a-strong-loan-participations-strategy/): For credit union leaders, loan participations are no longer optional but rather an essential tool for ensuring flexibility, stability, and sustainable growth\.
- [BNPL: Why Credit Unions Need to Innovate, Not Replicate](https://www.lendkey.com/lend/blog/digital-lending-insights/why-credit-unions-need-to-innovate-not-replicate/): By encouraging and facilitating savings, credit unions can help members plan and purchase with confidence, avoiding late fees, stacking debt, and long\-term financial stresses\.
- [Taking a Long\-Term View on Instant Payments](https://www.lendkey.com/lend/blog/digital-lending-insights/taking-a-long-term-view-on-instant-payments/): Instant payments reshape credit union liquidity, risk, and member experience, turning “instant” into a balance sheet event by 2026\.

## Press
- [One Fintech Opened More New Checking Accounts Last Year Than All U\.S\. Credit Unions Combined; Here’s How Credit Unions Can Fight Back](https://www.lendkey.com/press/one-fintech-opened-more-new-checking-accounts-last-year-than-all-u-s-credit-unions-combined/): LendKey and Cornerstone Advisors released a new report showing how credit unions can adopt SoFi’s strategy to boost member growth, deepen relationships, and drive long\-term value\.
- [LendKey’s ALIRO Platform Facilitates $20M Loan Sale Between Center Parc Credit Union and Great Lakes Credit Union](https://www.lendkey.com/press/aliro-facilitates-20m-loan-sale/): LendKey's ALIRO platform has completed a $20 million home improvement loan participation between Center Parc Credit Union and Great Lakes Credit Union\. The deal highlights ALIRO's ability to create post\-origination liquidity and connect credit unions with quality consumer loan assets, giving sellers balance sheet flexibility while providing buyers efficient access to new holdings\.
- [LendKey Named a 2026 Top Workplace, Recognized for Its People\-First Culture and Mission\-Driven Work](https://www.lendkey.com/press/lendkey-named-a-2026-top-workplace-recognized-for-its-people-first-culture-and-mission-driven-work/): LendKey’s Top Workplaces award is a testament to its people\-first culture, innovative spirit, and commitment to employee success\-making it one of the region’s most desirable places to work\.
- [LendKey and Member Student Lending Announce Fourth Annual $20,000 Scholarship Program](https://www.lendkey.com/press/lendkey-and-member-student-lending-announce-fourth-annual-scholarship): LendKey and Member Student Lending have announced the launch of their fourth annual scholarship program, providing $20,000 in college scholarships to high\-achieving students\.
- [LendKey Surpasses $8 Billion in Loan Originations, Accelerating Growth for Credit Unions and Banks Nationwide](https://www.lendkey.com/press/lendkey-surpasses-8-billion-in-loan-originations/): Network lending pioneer demonstrates how community lenders are reclaiming market share through strategic technology partnerships\.

## In the News
- [Why Private Student Lending Isn't What You Think It Is](https://www.cutimes.com/2026/02/20/why-private-student-lending-isnt-what-you-think-it-is/): Private student lending is one of the biggest opportunities credit unions are missing — and the performance data might surprise you\.
- [Carter Credit Union Updates Model for Accessible Auto Loans](https://www.cubroadcast.com/episodes/4107-carter-credit-union-updates-loan-participation-model-to-make-prime-auto-loans-more-accessible/): Carter Credit Union and LendKey share how they updated their loan participation model to make prime auto loans more accessible for credit unions and the members they serve\.
- [AgFed \& LendKey Partner for Diversified Loan Growth](https://www.cubroadcast.com/episodes/4108-agfed-partners-with-lendkey-to-diversify-portfolio-and-support-overall-loan-growth/): AgFed Credit Union has teamed up with LendKey to strategically diversify its loan portfolio and fuel sustainable loan growth in today’s competitive market\. This episode explores how the partnership expands member access to in\-demand loan products while helping AgFed manage risk, optimize returns, and support long\-term institutional growth\.
- [How LendKey and Veridian Partnered to Offer Ed Lending Products to Their Members](https://www.cubroadcast.com/episodes/4080-how-lendkey-and-veridian-partnered-to-offer-education-lending-products-to-their-members/): Learn how LendKey and Veridian partnered to offer education lending products to their members, including the timeline of collaboration starting in 2016 and the impact of helping thousands of Veridian members refinance education loans\.
- [Michael Hawkins Highlights 4 Cyber Defense Tips for Credit Unions](https://www.cutimes.com/2025/11/12/4-cyber-defense-tips-for-credit-unions/): Unfortunately, becoming the target of a sophisticated hacker is no longer a question of "if", but "when"\. 

## Podcast
- [22 Minutes on The Big Beautiful Bill \+ Student Loans](https://www.lendkey.com/podcast/22-minutes-on-the-big-beautiful-bill-student-loans/): The Big Beautiful Bill will reshape student lending starting July 1, 2026\. John Volpini, VP of Relationship Management at Sallie Mae, breaks down what’s changing, why it matters, and where private lending fits next\. Learn how credit unions can support borrowers, compete on value, and capture emerging opportunity nationwide today\.
- [22 Minutes on the Proposed 10% Credit Card Interest Rate Cap](https://www.lendkey.com/podcast/22-minutes-on-the-proposed-10-credit-card-interest-rate-cap/): A proposed 10% credit card interest rate cap is gaining national attention, but the real impact may be far more complex\. In this episode of 22 Minutes in Lending, Vince Passione and David Shipper unpack what the legislation could mean for credit unions, access to credit, and the consumers it aims to protect\.
- [Why Education Lending Challenges Credit Unions](https://www.lendkey.com/podcast/why-education-lending-challenges-credit-unions/): Mick Olson, President \& CEO of TopLine Financial Credit Union, joins 22 Minutes in Lending to unpack why so many credit unions avoid education loans and what TopLine did differently\. From a $35 start to $1\.1B in assets, discover how education lending became their greatest growth and member engagement engine\.
- [The Credit Union Thread: Why Staying On Mission Matters](https://www.lendkey.com/podcast/the-credit-union-thread-why-staying-on-mission-matters/): Merck Employees’ FCU is proving that staying narrow can drive big growth\. CEO Paul Gentile shares how the $1\.8B credit union continues to thrive by focusing exclusively on Merck employees—strengthening SEG relationships, tackling rising fraud, and using student lending as a strategic edge\. He also looks ahead at how stablecoins and crypto technology may reshape the next decade of credit unions\.
- [A Second Voice for the System: How DCUC Offers Credit Unions a Choice \(Part 1\)](https://www.lendkey.com/podcast/a-second-voice-for-the-system-how-dcuc-offers-credit-unions-a-choice-part-1/): Tony Hernandez, CEO of DCUC, explains why he’s expanding the organization’s role and why credit unions benefit from having a second voice in Washington\.

## Optional
- [Sitemap index](https://www.lendkey.com/sitemap_index.xml)