Student Loan Refinancing

Worry about your future, not your student debt

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Take Control of Student Loan Debt

If you have student loan debt after graduating from college, you can combine your federal and private student loans into one easy monthly payment. Our partnership with LendKey offers you various options on the rate and term, helping create a loan that works for your life situation.

Lower Interest Rates

Replace those high interest rates with a better one that fits your budget and lifestyle.

Flexible Rates and Terms

Pay your loan off quickly, or keep your monthly payments as low as possible

No Origination Fee

We will never charge you any origination fees for processing your loan application.

Easy to Apply

Complete your entire application online in less than 15 minutes

Student Loan Refinancing


1. What is HOCU Student Loan Refinancing?

When you refinance your student loans with Honolulu Federal Credit Union, you have a great opportunity to consolidate and refinance one or more student loans into a single loan that may have a lower interest rate and monthly payment.

2. Can I refinance both my federal and private loans with HOCU?

Yes, you can! Please be aware that you may lose certain benefits (e.g., favorable repayment options, loan forgiveness options, extended loan terms, etc.) associated with your federal student loans by refinancing with a private loan. We strongly advise you to review and understand your options and the potential benefits and drawbacks of refinancing your federal loans before doing so.

3. Who is eligible to refinance with HOCU?

HOCU members and non-members are eligible if they meet the following requirements:

  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You’ve graduated from an eligible school.
  • You’re refinancing private and/or federal loans.
  • If you have loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), they’re not eligible for refinancing.

*Non-members need to complete membership in order to receive funds.

4. How do I apply?

It’s easy! Just click below to apply. It takes less than 15 minutes to complete.

Apply Now 

5. Does HOCU offer private student loans?

No, HOCU only offers student loan refinancing at this time. Please contact your higher education institution for new student loan options.

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]


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