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.
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.
*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.