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Student Loans – Refi/Consolidation:

You worked hard for your degree. Paying your student loans should be easy.

Reap the rewards of your college degree at a lower cost to your future? Take control of your student loans: Refinance at Northern.

  • Consolidate your private and federal student loans, including PLUS
  • Refinance up to $125,000*
  • One convenient payment
  • Low rates
  • No origination fees or prepayment penalties
  • Choice of fixed or variable rate options for 10 or 15 years
  • Open to college graduates (who qualify) or parent/guardian
  • Must be in repayment or grace period on current loans
Student Choice Logo

With Student Choice Loan refinancing, it really is your choice.

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As of Wednesday, April 1, 2020, all drive-thru and lobby hours will change in consideration of the health and well-being of our member-owners and internal owner team members. 

Drive-thru and call center hours during the week are 7:30am-6pm except for Carthage and Lowville which are 9:00am - 6:00pm. On Saturdays drive-thru and call center hours are 9:00am - 1:00pm.

For relationship centers still taking appointments, you can book an appointment on our  website, mobile or online banking message, through Video Banking and over the phone at 315.782.0155.