Student Loans & Refinancing
Whether you need to fill the funding gap for college or simplify repayment after graduation, we have flexible options to help you take your education higher.
Why You'll Love It
Gap Funding
Cover costs that federal aid leaves behind, including tuition, lab fees, textbooks, and daily living expenses.
One-Time Application
Apply just once and secure funding for your entire undergraduate career. No need to reapply every year.
Flexible Repayment
Defer full payments while in school and choose from flexible terms, including graduated repayment options after graduation.
Keep More Money
Benefit from $0 origination fees, no prepayment penalties, and favorable interest rates lower than many commercial lenders.
PARTNERSHIP
Powered by CU Student Choice
Dupaco partners with CU Student Choice to help you pay for college. If you have questions about the application process or financing options, you can contact CU Student Choice directly at 844-830-3258. Already have a student loan with Dupaco? Log in to Shine to view your account balance or make a payment.
Is a Private Student Loan Right for You?
Before applying, consider working with a financial aid professional to determine your eligibility for federal, state, or institutional aid. It is important to use these types of funding first, as private student loans might decrease your eligibility for other aid. Research scholarship opportunities: it’s free money you don’t have to repay!
LOAN REFINANCE
Student Debt Refinance
Simplify your finances by combining federal and private loans into one easy monthly payment. You can refinance up to $125,000 in student loan debt. Refinancing may help you lower your interest rate or pay off your debt sooner.
What you need to know:
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Eligibility: You must be a graduate of an approved public or private not-for-profit school and be in the grace or repayment period.
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Warning: If you refinance federal loans, you may lose benefits such as income-driven repayment, loan forgiveness, and unemployment deferment.
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Frequently Asked Questions
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Who is eligible for the Extra Credit Student Loan?
Applicants must be a U.S. citizen or permanent resident, eligible for credit union membership, and continually enrolled in a degree-granting program at an approved undergraduate school.
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Is there a fee to apply?
No. There is no origination fee and no prepayment fee if you choose to pay off your loan early.
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What can I use the loan funds for?
Funds can be used for "gap" expenses not covered by federal aid, such as tuition, room and board, textbooks, and lab fees.
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Can I defer my payments while in school?
Yes. You can defer principal and interest payments while you are enrolled in school.
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Can I refinance federal loans?
Yes, but proceed with caution. Refinancing federal loans into a private loan means you will lose federal protections like income-driven repayment and forgiveness programs.
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What are the refinance limits?
You can refinance up to $125,000 in student loan debt. You must be a graduate of an approved not-for-profit school to qualify.