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Student Loan

Refinance your current student loan for a lower payment, or consolidate multiple loans into one easy one.


Have a current student loan or application in progress with Student Choice? Log in here.

Take control of your student loan repayment.

Bethpage has partnered with Student Choice to offer you the best options for student loan refinancing and consolidation.

one convenient payment

Manage your loan - by setting up one convenient payment.

Flexible repayment

Flexible repayment terms - to fit your needs.

Refinance and consolidate

Refinance and consolidate - your private and federal student loans (including PLUS loans) .

Student Loan
Refinance Rates

We are offering fixed-rate student loan refinancing options with competitive interest rates. See the best options and the rates you may qualify for below.

See Student Loan Refinance Rates


How much can I afford to borrow? What will my rates be?

For more information please visit the Student Choice website.

What types of loans can I refinance?


Do I and my cosigner (if applicable) need to be members of the credit union in order to be eligible?

Yes. In order to fund the loan, the borrower must be a member of the credit union.

Can my spouse and I refinance or consolidate our individual student loans together?

No, individuals may not consolidate loans together.

What is the difference between consolidation and refinancing?

Consolidation means you are simply combining existing loans. Your total payment amount and total interest will likely remain the same, but you'll have the convenience of making one payment rather than multiple payments. This type of loan is usually associated with federal government student loans.

When you refinance, you are taking out a single new loan to pay off your old ones. You'll probably have a new interest rate, new terms, and a different monthly payment amount. This is the loan solution offered by your credit union.

How can I learn more about the loan options and rates?

For more information please visit the Student Choice website.

See More FAQs

Interested in seeing if refinancing or consolidating your student loans is right for you?

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