Student Loans

Stress Less about Paying for College

Financing your education through Y-12 Federal Credit Union means lower rates, more transparency, and having a financial ally committed to setting you up for success. 

Student Loan Refinance

Our education refinance loan option gives you the freedom and flexibility you need to reach your goals after you leave school. Whether you want to reduce your payment, lower your interest rate or combine all your loans to make life a little simpler, our education refinance loan is an easy solution. 

Borrower benefits*:

  • Repayment terms of 5, 10 and 15 years
  • Borrow from $10,000 to $250,000
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Complete your entire application in minutes on your phone, tablet or laptop or start on one device and finish on another.                                                 

Apply For Refinance

Undergraduate & Graduate Loans

College is expensive and paying for it can be stressful. Our in-school loan helps undergraduates and graduates pay the full cost of attendance and living expenses. Apply now and you can get a credit decision in minutes.                                                       

Borrower benefits:

  • Repayment terms of 5**, 10 and 15 years
  • Borrow from $3,000 up to the cost of attendance minus other financial aid (as certified by the school)
  • Fully deferred, interest only or immediate repayment options
  • .25% discount for automated payment deduction
  • Cosigner release after 36 on-time payments
  • Receive real-time updates on your application via text


If you’re a returning borrower, click the button below to access your account.

Returning Borrower

Get equipped with tools and resources.

College Planning

Learn more about current loan terms and explore your repayment options.

Rates & Terms

*You are eligible to refinance both private student loans and federal student loans.  When you refinance federal loans, they automatically become private loans and you lose access to federal benefits.

**Student loans with a 5-year repayment term are not deferred and require immediate repayment.