Student Loan Refinance

Take control of your student loan repayment by refinancing with NIH Federal Credit Union!

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.


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


More than 1,500 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