Student Loans

Yes, Student Choice provides free one-on-one guidance with a counselor to offer personalized assistance.

OE Federal has teamed up with CU Student Choice to provide a Student Loan Refinance Solution. This lets members refinance and consolidate their private and federal student loans, including Parent and Grad PLUS loans, into one easy payment.

The Student Loan Refinance is an unsecured private loan available to borrowers with educational debt who are, or become, members of OE Federal Credit Union.

Members of OE Federal can apply. Graduates must have already graduated from an approved school. A list of approved schools can be located at oefederal.studentchoice.org.

No, you must make your payments directly to University Accounting Services LLC (UAS).

• You can make a payment online using the mobile-friendly Student Lending Center at oefederal.studentchoice.org.

• If you prefer to mail your payment, send it to: University Accounting Services LLC PO Box 5879 Carol Stream, IL 60197

You can refinance both private and federal student loans, including Parent and Grad PLUS loans. However, non-education loans like personal loans or credit card debt cannot be refinanced. To qualify, the loans must be listed as "student" loans on your Credit Bureau Report or the Federal Loan website.

Members can apply online at oefederal.studentchoice.org or by calling (844) 661-5977 anytime, 24/7.

• Minimum Loan Amount $5,000
• Maximum Loan Amount $75,000
• Terms 60-180 months

Borrowers can visit oefederal.studentchoice.org or call OE Federal’s 24/7 toll-free number at (844) 661-5977.

After a loan is disbursed and enters repayment, borrowers should contact University Accounting Service (UAS) for loan-related questions or online account access. Visit oefederal.studentchoice.org for UAS details, or call them at (877) 530-9782 between 7am and 5pm (CT).

No, borrowers will receive a separate statement from University Accounting Service (UAS). Statements can also be accessed through the Student Lending Center.

Refinancing can help lower your interest rate and combine multiple loans into one easy payment, with no origination or prepayment fees. However, if you refinance federal student loans, you may lose benefits like interest rate discounts, income-driven repayment plans, principal rebates, or certain cancelation options that could reduce your repayment costs.