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Student Loan Consolidation Program

One Loan. One Payment.

Features

A college education can be expensive, and it’s common for students to have multiple loans with varying rates. ECU’s student loan consolidation program provides convenience and simplicity with one loan and one payment, no application fees, and great fixed rates.

Process

Details For Your Application

  • A valid Social Security Number / Individual Taxpayer Identification Number is required to apply.
  • Provide a valid email address.
  • You must be eligible for membership at ECU. Learn More
  • You must provide a 20-day payoff for current lenders with payoff addresses.
  • It is acceptable to refinance an Eastman Credit Union student loan, as well as loans from other lenders.

Federal Loan Consolidation: Federal student loans are funded by the federal government. Private student loans are nonfederal loans, made by a lender such as a bank, Credit Union, state agency, or a school. Federal student loan programs offer various benefits and repayment options, such as income-driven repayment plans or loan forgiveness programs. If you consolidate or refinance your federal loans with a private lender, such as ECU, you will lose benefits available to federal student loan borrowers. For more information, visit www.ed.gov. 

Managing multiple student loan payments?

ECU can provide the simplicity of one loan, one payment.

Apply Now

Student Consolidation Loan Rates

Loan Term Rate Type APR1 as low as Payment Example2
Up to 60 months Fixed Rate 5.250% $115.72
Up to 84 months Fixed Rate 5.60% $116.52
Up to 180 months Fixed Rate 6.250% $118.01
Up to 216 months Fixed Rate 6.750% $119.16
Up to 240 months Fixed Rate 7.250% $120.32
Up to 300 months Fixed Rate 7.750% $121.49

Rates accurate as of June 21, 2026 and are subject to change.

1The loan terms, rates and payments listed above are used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

3Payment example is based on $5,000 for 48 months. To calculate your estimated payment, please use our payoff calculator.

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