Refinance Your Student Loan(s) and Get Out of Debt Faster!

You’re pre-qualified to refinance your federal and private loan(s)*!


Act now, this offer expires August 31, 2020!

  • Fixed rates as low as 3.25%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

Find My Rate


KEMBA can partner with you to review your student loans and recommend your best refinancing solution. It’s worth a few minutes to find out if you could save thousands of dollars over the life of your loan.


Click here to confirm that your school is on the eligible list, and click here for our most frequently asked questions.


5 Benefits to Refinancing

  1. Save money
  2. Get out of debt faster
  3. Lower your monthly payment
  4. Combine into one monthly payment
  5. Choose a new term that meets your needs

Contact our student loan refinancing expert.

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Accept InvitationOr call 614.729.1349


Subject to credit qualification and additional criteria, including graduating from an approved school.

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. 





You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 888.5.OPT.OUT (888.567.8688). See PRESCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers.


PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including, but not limited to, debt-to-income ratio, income, and employment. If you do not want to receive pre-screened offers of credit from this and other companies, call TransUnion at 888.567.8688 or visit the website at; or write TransUnion Opt Out Request PO Box 505, Woodlyn, PA 19094-0505.


*Actual savings determined by factors including, but not limited to, creditworthiness, selected loan option, repayment term, and rate. You received this offer because you satisfied the criteria of creditworthiness we used to screen persons for this offer. This pre-approved credit offer may not be extended if: (1) you no longer meet the minimum credit score and payment criteria used to select you for this offer; (2) you are delinquent on a loan or not in good standing with KEMBA Financial Credit Union; (3) we are unable to verify your income or employment; (4) your income in our opinion and according to our established criteria is not sufficient to repay the credit offered; or (5) the collateral does not meet our lending guidelines.
+KEMBA membership required. Degree must have been obtained from eligible school for approval.


1Fixed Rate Solution: The Annual Percentage Rate (APR) is fixed for the life of the loan. The rate you receive depends on your creditworthiness and the repayment term you select.a
Current rates are:
• 10-Year Repayment Term: 4.99%-8.24%APR
• 15-Year Repayment Term: 5.49%-8.99%APR


2Variable Rate Solution: The Annual Percentage Rate (APR) is variable and is based on the Prime index plus a margin. The rate you receive depends on your creditworthiness and the repayment term you select.b  Current rates are:
• 10-Year Repayment Term: 3.25% – 6.79%APR
• 15-Year Repayment Term: 3.49% – 7.49%APR


All loans are subject to approval and restrictions may apply. KEMBA Financial Credit Union reserves the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit, as well as a bachelor’s degree from an approved school is required. A list of approved schools can be found at

Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to your private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you.

a. Fixed interest rate solution: your interest rate is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval.

b. Variable interest rate solution: the rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment. As of 7.1.20, the Prime index (Index), as published in the Wall Street Journal, used is 3.25%. The interest rate will not exceed 18.00% regardless of the Index. Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate. Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower’s and co-borrower’s (if applicable} credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.


Minimum/Maximum: The minimum refinance loan amount is $5,000, maximum is $75,000. Make sure to review your existing loans carefully to borrow the exact amount you need.


Loan Deferment: We do not offer an in-school deferment option. Our refinance loan is intended for borrowers who have completed their education and do not plan on returning to school.

Repayment Examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. Rates shows include a 0.25% discount for optional enrollment in automatic electronic repayments.


Fixed Rate Solution:
• 10-year loan term: with an 8.24%APR, the monthly payment will be $613.00. Finance charges will be $23,559.68.
• 15-year loan term: with an 8.99%APR, the monthly payment will be $506.84. Finance charges will be $41,230.46.

Variable Rate Solution:
• 10-year loan term: with a 6.79%APR, the monthly payment will be $575.15. Finance charges will be $19,017.44.
• 15-year loan term: with a 7.49%APR, the monthly payment will be $463.22. Finance charges will be $33,379.98.

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