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Need Help Paying for College?

Private Student Loan and Refinance Options

Need Money to Pay for College?

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Student Loans

Rivermark has partnered with Credit Union Student Choice to offer private student loans to help you achieve your dream of a college education. Whether you’re heading off to college or you’ve already graduated, we have options to help you take control of your student loans—because while college memories are forever, college debt shouldn’t be.

  • Competitive fixed and variable rate options
  • Loan amounts up to $75,000 for undergraduate programs and $125,000 for refinance 
  • No origination fees
  • No prepayment penalties
  • Co-borrower not required, but may help you qualify for a lower rate
REFINANCE OFFER: For a limited time, you'll enjoy special low rates, earn a $500 bonus*, and no payments and no interest for 3 months!**. LEARN MORE
Undergraduate Refinance

Or call 866.686.6854 to speak with a Student Choice Loan Program Representative. 

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Undergraduate

Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you've exhausted lower-cost sources of aid (scholarships, grants and federal loans).

  • No loan payments until 6 months after graduation.
  • Multi-year approval. Only apply once to borrow up to $75,000 for Undergraduate education.
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Refinance

Take control of your student loan repayment by refinancing with Rivermark! You'll be able to refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient monthly payment.

Featuring competitive interest rates, flexible terms (5, 10 or 15 years), and zero origination fees, our refinance loan can help you simplify your life while amplifying your funds.  

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Important Notice

Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates, suspension of loan payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans. The federal government has temporarily paused payments and interest on federal student loans. The U.S. Department of Education provides updates regarding the pause end date.

Visit studentaid.gov/coronavirus for the latest information. Full refinance disclaimer.

What are my repayment options?
You can make interest-only or full payments while in school or wait to start paying until six months after graduation.

How does the Student Loan Line of Credit work?
You will be approved for an amount that you can draw from for the rest of your undergraduate education without reapplying every year. Your school determines how much you can draw each year.

How do I get my money?
It goes straight to your school to pay for tuition and other costs. If there is money left over, you will receive a check from your school.

Can you consolidate an existing student loan?
Consolidate your current private student loans up to $125,000 into a single payment. Graduated payment options are available, making your initial payments even lower. Learn More

More Frequently Asked Questions about Student Loans.

Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates, suspension of loan payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans. The federal government has temporarily paused payments and interest on federal student loans. The U.S. Department of Education provides updates regarding the pause end date. Visit studentaid.gov/coronavirus for the latest information. Refinance disclaimer.

*$500 Cash Offer: To qualify, the loan application must be started between 5/3/2022 and 6/30/2022. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $500. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. The recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.

**3 Months No Payments, No Interest Offer: To qualify, the loan application must be started between 5/3/2022 and 6/30/2022. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

All loans subject to credit qualification and additional criteria, including graduating from an approved school, and be a member of Rivermark Community Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded.

Student Loans and underwriting is made available through Rivermark Community Credit Union. Application processing is available from Credit Union Student Choice on behalf of Rivermark Community Credit Union. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of Rivermark Community Credit Union.