If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.442.2800 for assistance. All products and services available on this website are available at all Honor Credit Union full-service locations.
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Student Loans

Academics can be stressful, but paying for a college education shouldn't have to be. Here at Honor, we have two student loan options customized to help you meet your academic goals as well as your financial goals.

Refinance a Student Loan

Our student loan refinance program is designed to help college graduates in repaying their student loans and saving money!  This money-saving consolidation option will allow you to refinance your private and federal student loans into one low monthly payment that works for you! 

  • Refinance any loan amount $5,000 - $200,000
  • Both private and government loans eligible
  • No prepayment penalties 
  • Fixed and variable rate with 5, 10, and 15-year terms available
  • Variable Rates
    • As low as 4.25%APR*
    • 5, 10, & 15 year repayment options
  • Fixed Rates
    • As low as 5.25%APR*
    • 5, 10, & 15 year repayment options

Refinance Now >Account Login >

*Variable rate based on Prime Index as published in the Wall Street Journal. Variable rate loans range from Prime -0.50% to Prime + 7.00% based on credit worthiness. The current Prime Rate used for Variable Rate Student Loan Refinances is 4.75%. Rates update with Prime at the end of each quarter, based on the Prime Rate of the 1st of the month prior to a new quarter.

Apply For a New Student Loan

Pay for college the smart way! When scholarships, grants, and federal loans aren't enough, consider a responsible private loan. Our Smart Option Student Loan1 through Sallie Mae is the ideal solution to bridge that gap between federal loans and the cost of your education expenses featuring no origination fees, no prepayment penalties, and competitive, variable interest rates.

  • Competitive Interest Rates for undergraduate and graduate students
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • No prepayment penalty or origination fees
  • Multiple in-school repayment options available
  • Use the funds for tuition, fees, room and board, and other school-certified expenses
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate

 Apply Now


1We are compensated for the referral of Smart Option Student Loan customers.
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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.442.2800 for assistance. All products and services available on this website are available at all Honor Credit Union full-service locations.