Student Loan Refinancing

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There's a smart way to manage your college debt

You've graduated and moved on to your next phase. But paying off higher ed loans can be a heavy lift. KEMBA Financial Credit Union can take some financial weight off your shoulders. With our student loan refinancing plans, and expert guidance, you might be able to trim your monthly payments or buy extra time to repay what you owe.
  • Consolidate college loans and make just one payment per month
  • Interest rates as low as 8.24% APR
  • Refinancing available up to $75,000
  • 10- and 15-year terms to meet your needs
  • Choose from a fixed or variable rate
  • No origination fees or pre-payment penalties
  • Also available for parent PLUS loans
  • One-to-one services available
  • Confirm that your school is on our eligible list

Student Loan Refi Application

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Subject to credit qualification and additional criteria, including graduating from an approved school.
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.
Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender. KEMBA membership is required.

USA Patriot Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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