Student Loan Consolidation

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  • Overview
  • Choose Your Rate
  • Eligibility Requirements

The good news is you’ve graduated from college. The not-so-great news? Now it's time to pay back those student loans. When you refinance your existing student loans with Harrison, you can stress less with lower monthly payments and a reduced interest rate.

There’s no one-size-fits-all rate here. You'll get the option to choose between a fixed and variable rate. 

  • Variable Rate: as low as 2.61% APR (with autopay)*
  • Fixed-Rate: as low as 3.19% APR (with autopay)**

In addition to Harrison Federal Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You and your cosigner (if applicable) are US citizens or permanent residents
  • You've graduated from an eligible school
  • You're refinancing private and/or federal loans
  • You're a member of Harrison Federal Credit Union (or become a member during the online application process)

Please note: Exam preparation classes (including LSAT, MCAT, GMAT, and GRE) are not eligible for refinancing.

*APRs for variable rate loans may increase after origination if the LIBOR index increases. See Rates & Terms for additional information. **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. Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your initial rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Harrison Federal Credit Union’s credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Harrison Federal Credit Union, you must be a member of Harrison Federal Credit Union. If you are not a member of Harrison Federal Credit Union, you may apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.

Rates as low as

2.61% APR*

Start consolidating today.

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