Important Notices

On Tuesday, December 24 - All branch locations and contact center will close at noon.
On Wednesday, December 25 - All branch locations and contact center will be closed.

In the event of a government shutdown, we are ready to help affected members. Learn More.

Routing Number: 307070021

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Routing Number: 307070021

Student Loan Refinance

Don't let your student loans stress you out! Let us help you consolidate your loans to make them more manageable.

Find Out if You're Eligible

Student Loan Refinance

Take Control

Did you know consolidating your student loans into one easy monthly payment could help you pay off your debt faster?

If you're paying student loans after graduation, you could consolidate both your federal and private student loans into one monthly payment by refinancing them with LendKey.

Easy and fast online application process
No application or origination fees
Flexible rates and terms that work with your budget
Set recurring monthly payments to lower your interest rate ¹
Release your co-signer after making 12 consecutive on-time, interest, and principal payments ² , when requested
One easy monthly payment; no need to keep track of multiple monthly payments

Are You Eligible?

To find out if you're eligible to refinance your student loans, use the buttons below to learn more and apply!

Learn More View Current Student Loan Rates and Terms

Questions?

Call LendKey today to see if refinancing your student loans is the right move for you!

888.549.9050

Disclosures

¹ If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.

² Cosigner release is subject to lender approval. In order to qualify, the borrower must submit a request and the borrower must meet the following requirements: (1) make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower's credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults on a student loan or with Air Academy Credit Union.