Taking Control of Your Student Debt

The cost to obtain a college degree increases every year, and can become more and more complicated to manage. Many students need to take out Federal loans as well as Private loans in order to cover the rising costs. Refinancing may be the best way to manage that student loan debt. Keep your head above water and your eyes on the finish line.

What You Need to Know

  • Consolidate. Want to roll all of your student loans into one manageable loan? Refinance your private or federal student loans, including PLUS loans, up to $125,000.1
  • Save More. Receive a 0.25% rate discount for automatic electronic payment.
  • Review Your Options. We have flexible repayment terms to fit your needs.


You Are Eligible If You are a College Graduate Who Is:

  • A U.S. citizen or permanent resident who has graduated from an approved public or private not-for-profit school
  • In repayment or grace on one or more outstanding private or federal student loans
  • Able to pass a credit check (A cosigner may be necessary in order for you to meet credit criteria, 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)


Apply Online


Convenient Locations

Workers Credit Union provides in-person banking services and financial coaching at locations in Worcester, Lowell, Fitchburg, Gardner, Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Athol, Hudson, and Orange, MA.

Apply for your Student Loan Refinance online or contact us with any questions.

Student Loan Refinance PAIRS WELL WITH...

As you work on getting your finances in check, you may also find these products useful.

College Degree Car Loan

Catch a ride into the real world with competitive rates.

High Interest Checking

Earn up to 1.26% APY*


1By 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.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.