USC Credit Union Student Loan Refinancing

USC Credit Union Student Loan Refinancing Review

USC Credit Union Student Loan Refinancing is a student loan refinance offering by USC Credit Union, . Founded in 1973, USC Credit Union offers student loan refinancing in 50 states (and Washington, DC).

USC Credit Union Student Loan Refinancing FAQ

What APRs does USC Credit Union Student Loan Refinancing 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. 

USC Credit Union Student Loan Refinancing offers variable rate APRs that range from 1.60% to 5.65%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.74% to 8.36% APR.

How much can you borrow via USC Credit Union Student Loan Refinancing?

Loan amounts start at $5,000 and go up to $75,000

Does USC Credit Union Student Loan Refinancing charge an origination fee?

No, USC Credit Union Student Loan Refinancing 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 USC Credit Union Student Loan Refinancing charge prepayment fees?

No, USC Credit Union Student Loan Refinancing 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 USC Credit Union Student Loan Refinancing offer?

USC Credit Union Student Loan Refinancing provides refinancing loans of 5 to 15 years.

What type of borrowers will USC Credit Union Student Loan Refinancing consider?

USC Credit Union Student Loan Refinancing considers loans applications from:

• undergraduate degree holders
• graduate degree holders

What do you need to qualify for USC Credit Union Student Loan Refinancing?

USC Credit Union Student Loan Refinancing does not have or does not disclose a minimum annual income eligibility requirement. USC Credit Union Student Loan Refinancing only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via USC Credit Union Student Loan Refinancing. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by USC Credit Union Student Loan Refinancing.

To qualify, applicants may need to provide the following documentation:

• Loan payoff statements
• Proof of income
• Government issued photo ID
• Proof of identity
• U.S. tax identification number