Join Our Referral Program

We've made sharing the benefits of NIH Federal Credit Union's student lending solutions easy!


Step 1: Simply fill out the form and enroll in our Refer A Friend program.

Step 2: Once you've filled out your information, input your friend's information to tell them about our student lending solution!

Step 3: Wait for your friend to get a loan & get paid!

For each person you refer who funds1 their private education line of credit or student refinance loan with us, you will earn2 $100.

The person you refer will also earn2 $100.

NOTE: The CARES Act was passed in response to events related to the Coronavirus pandemic and includes broad relief measures for federal student loan borrowers. If you are considering refinancing your federal student loans, please make sure to review these measures at to understand your options.
1Private education line of credit is subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements. Student Loan refinance is subject to credit qualification and additional criteria, including graduating from an approved school.
2To close on your loan and receive the $100 referral bonus funds, you must have, or first establish, membership at NIH Federal Credit Union. Both you and the person who referred you will qualify for the referral bonus funds once a disbursement on a new student loan refinance product or private education line of credit has been made. You agree that the referring member will be notified when your loan is funded by receipt of their referral incentive. Funds will be deposited within 120 days of disbursement. NIH Federal Credit Union reserves the right to change terms at any time. Review our complete Terms & Conditions.