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Student Loan Refinance Offer

Student Loan Refinance Promotional $500 Bonus Header Image

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 payment, and potentially lowering your rate. Featuring competitive interest rates and zero origination fees, our refinance loan can help you simplify your life while amplifying your funds.

At Rivermark, for a limited time, you'll enjoy special low rates, earn a $500 bonus*, and no payments and no interest for 3 months!**

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Check out these great benefits:

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  • Refinancing available up to $125,000
  • Choose from a fixed or variable rate
  • Flexible repayment terms (5, 10 and 15 year terms)
  • Also available for Parent PLUS loans
  • Borrow from a not-for-profit credit union you can trust
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  • Variable Rates as low as 1.99% APR
  • Fixed Rates as low as 2.50% APR
  • Earn a $500 Bonus*
  • No Payments for 90 days**
  • No origination fees or pre-payment penalties

SHOULD I REFINANCE MY STUDENT LOANS?

With rates at historic lows, refinancing your student loans could help you pay your loans off sooner or save on your monthly payment. But we know that everyone’s student loan situation is unique, and figuring out where to start can be tough. Use our savings calculator or consult with our College Counselor to determine if it makes sense for you.

Important Notice: Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. Read full disclaimer.

Calculate Savings Check Rates

Now may be the perfect time to refinance your student loans if:

Student Loan Repayment

You're paying high-interest rates on private and/or federal student loans.

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You have multiple student loan payments or multiple student loan servicers.

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You previously refinanced and want a lower rate or new repayment terms.

Take Advantage of This Special Offer!

Get Started Today

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.

*$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.