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  DCU Student Loan Refinance Program

DCU Student Loan Refinance Program

in Student Loan Refinancing from Digital Federal Credit Union

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DCU Student Loan Refinance Program

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in Student Loan Refinancing from Digital Federal Credit Union

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Highlights
Highlights
Fixed APR 3.25% - 9.25%
Variable APR 4.25% - 9.25%
Loan Amount Up to $125,000
Loan Term 5 - 15 years

DCU Student Loan Refinance Program Review

DCU Student Loan Refinance Program is a student loan refinance offering by Digital Federal Credit Union, a credit union. Founded in 1979, Digital Federal Credit Union offers student loan refinancing in 50 states (and Washington, DC).

What APRs does DCU Student Loan Refinance Program offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

DCU Student Loan Refinance Program offers variable rate APRs that range from 4.25% to 9.25%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.25% to 9.25% APR.

Rate is quoted with autopay discount*.

Does DCU Student Loan Refinance Program charge an origination fee?

No, DCU Student Loan Refinance Program does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does DCU Student Loan Refinance Program charge prepayment fees?

No, DCU Student Loan Refinance Program does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What terms does DCU Student Loan Refinance Program offer?

DCU Student Loan Refinance Program provides refinancing loans of 5 to 15 years.

What type of borrowers will DCU Student Loan Refinance Program consider?

DCU Student Loan Refinance Program considers loans applications from:

  • undergraduate students
  • graduate students
  • parents of students
  • undergraduate degree holders
  • graduate degree holders
  • parents of graduates

What do you need to qualify for a DCU Student Loan Refinance Program student loan refinance?

Applicants with a credit score of at least 720 can apply for a loan via DCU Student Loan Refinance Program.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

Only U.S. citizens and permanent residents can apply for a loan. 

To qualify, applicants must provide the following documentation:

  • Proof of income
  • Loan payoff statements

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Cosigner Optional  
Co-signing Allowed  
Credit Score Range 720 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Verification Documents Required
  • Government Issued Photo ID
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Income
  • Social Security Number
  • U.S. Tax Identification Number
Variable APR 4.25% - 9.25%
Loan Amount Up to $125K
Loan Term 5 - 15 years
Fixed APR 3.25% - 9.25%

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