Student Loan Refinancing

Lower payments, brighter future. Refinance your student loans and save big in the long run.1

Save the date when you'll be debt-free

Refinance up to $100,0001

You can consolidate private and federal loans with your refinance, including PLUS loans.

Competitive rates

We offer both fixed-rate and variable-rate options, with a 0.25% lower rate when you choose automatic payments.2

One convenient payment

Refinance and consolidate your private and federal student loans into one loan, setting up one convenient payment.


Who can apply for student loan refinancing?

To apply for student loan refinancing, you must be:

  • A U.S. citizen or permanent resident
  • A graduate of one of our approved schools with at least a bachelor’s degree (be sure to check our list before applying)
  • At least 18 years old (or the age of majority in your state or territory of residence)
  • Repaying one or more private or federal student loans1
  • Able to meet our standard credit criteria (with a cosigner if necessary)
  • Eligible for Georgia’s Own membership

Visit our Student Loan Center for all the details.


It's easy to apply

Getting approved for student loan refinancing can take up to six weeks. Here’s how it works:

  • You send in your application.
  • You send your documents. Our secure portal makes this fast and easy.
  • We process your loan. We’ll let you know if we need any more information.
  • We send the money. We transfer the money directly to your original lenders.

Don’t worry—we’ll send you email updates throughout the process, so you always know what’s going on. If you need help, we have counselors available.

Student Loan Refinancing FAQs

Refinancing isn’t right for everyone. First, you’ll need to make sure you have a decent credit score and a steady income. You’ll also want to be sure your loans qualify for refinancing and that you’re getting a better interest rate than what you’re paying now.

Keep in mind when you refinance federal student loans, you may lose access to some loan forgiveness programs, income-driven repayment plans, and deferment and forbearance options.



There are many ways to pay off student loan debt—it all depends on you and your situation. If you want to quickly reduce your debt, you can try refinancing, making extra payments, or paying more than the minimum amount due.

No, you don’t have to go to college in Georgia to get a private student loan through us. In fact, we have a list of nearly 2,000 approved undergraduate and graduate schools across the country that are eligible.

No. For undergraduate and graduate student loans, the money from your loan is sent directly to your school to pay for tuition, fees, and room and board.

If you’re refinancing a student loan, then the money goes directly to your original lender to pay off your previous loan.

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1Subject to credit qualification and additional criteria, including graduating from an approved school. Approved schools are subject to change without notice. Maximum loan amount may vary by credit union. Loans subject to approval. Rates, terms and conditions subject to change without notice. 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.

2The APR will not fall below the floor rate regardless of the index or any additional rate discount.