Student Loan Refinance

Take control of your student loan repayment by refinancing with NIH Federal Credit Union! You'll be able to refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment, and potentially lowering your rate1. Featuring a competitive interest rate and zero origination fees, our refinance loan can help you simplify your life while amplifying your funds.

Check out some of these great benefits

Check out our unique solution for practicing medical doctors, specialists, and dentists. 

IMPORTANT NOTICE: See below for important information before you refinance.

FAQ Eligibility
Common Questions Are you Eligible Approved Schools


Practicing medical doctors and dentists
click here for more great news!




Would you like to speak to our counselor before getting started?

Schedule your complimentary, no obligation appointment.

A better deal from your local not-for-profit cooperative


More than 2,000 approved schools across the country


Answers to your most common questions


Financial resources to help you succeed in college and beyond


IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. 

  1. Loans subject to approval. Rates, terms and conditions subject to change without notice.
  2. APR=Annual Percentage Rate