Who is Eligible to Refinance?

College graduates who are:

• U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school (a bachelor's degree is the minimum required)

• In repayment or grace on one or more outstanding private or federal student loans

• Able to meet XYZ Federal Credit Union's standard underwriting criteria (a cosigner may be necessary and may also help you qualify for a lower rate)

• Eligible for credit union membership (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)