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Student Loan Refinance

Forgiveness is best. We can finance the rest.

With details about federal student loan repayment and cancellation finally announced, and interest rates continuing to climb, now could be the perfect time to consider refinancing your student loans. If you have loans that won’t qualify for the federal measures, let ACMG help you take control with our student loan refinance solution!

Refinance and consolidate your private and/or federal student loans including PLUS loans that may have been taken in a parent's name into one convenient monthly payment.

  • A $500 Cash Bonus1
  • 3 Months No Payment and No Interest2

Apply online now or call us at (315) 488-4433.


Take control of your student loan repayment by refinancing and consolidating your private and federal student loans (including PLUS loans) into one manageable loan, and set up one convenient payment. Featuring a competitive interest rate and zero origination fees, our refinance student loan can help you simplify your life while paying down your debt.


Great benefits for student loan refinancing

Requirements for a successful Student Loan Refinance:

There are specific guidelines for this program and it is best to call our refinance experts at 315-488-4433 before applying online. Borrowers who do not meet all the requirements below may have the option of a cosigner.

  • Graduation from an approved eligible school
  • At least 24 months of continuous income (minimum of $30,000/yr.)
  • Credit score, credit history and debt-to-income qualifications
  • No previous default on any education loan

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Visit our Student Choice website and click the links to view eligible schools, important disclosures and current rate information.

Apply Now For Student Loan Refinance

1  Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $500. To qualify, the completed loan application must be received 10/1/2022 and 12/31/2022. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.
2  To qualify, the loan application must be started between 10/1/2022 and 12/31/2022 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.