Welcome!

You can potentially save thousands of dollars with a
cuGrad Private Student Loan Consolidation1  from a
not-for-profit credit union.

Consolidate and refinance today!

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Rates as low as 4.90% APR*

Could you use some extra cash each month to help pay other expenses besides just student loans? A cuGrad Private Student Loan Consolidation may potentially help you save time and money with one easy low monthly payment on your private student loans.

It's seriously simple.


Applying online is an easy process with a quick approval.
It only takes about 15 minutes to apply and get an initial decision.


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What is a cuGrad Private Student Loan Consolidation?

The cuGrad Private Student Loan Consolidation is issued from a not-for-profit credit union participating in the cuStudentLoans program and can be used refinance and consolidate existing private student loan debt into one payment at a lower monthly rate. Depending on the details of the borrower's current private student loan debt, a private student loan consolidation can potentially lead to thousands of dollars in savings on annual payments and interest expense.

What is a Credit Union?

A credit union is a not-for-profit cooperative financial institution that provides financial services for its members. Credit unions are owned by their members and their main purpose is to serve the financial needs of its membership. Because of this mission, credit unions are on the forefront of promoting thrift and providing high value financial products and customer service to its membership.

Learn about what makes the cuStudentLoans program different than other private student lenders!


"I had over $100,000 in student debt with loans up to 14.13%. By refinancing with cuStudentLoans, Im saving almost $9,000 a year in payments and now have more financial control over my life." - Steven W., Art Center College of Design

"I decreased my loan term by five years AND lowered my initial monthly payments by almost $400 with a 4.75% consolidation loan. Refinancing my loan with cuStudentLoans was one of the smarter decisions Ive ever made." - Marissa P., Purdue University

*The APR may be increased after consummation. Assuming a $10,000 loan amount, a 4.90% APR, and the level repayment option, you would make 180 monthly payments of $78.56 to repay this loan. If the APR is 7.17% and the loan amount remains $10,000, you would make 180 monthly payments of $90.84. The APR may be increased after consummation.