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Refinance Eligibility

College graduates who are:

  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school (a bachelor's degree is the minimum required)

  • At least the age of majority in your state of residence. Please note, in most states, you must be at least 18 years old. You must be 19 years old in Alabama. You must be 21 years old in Mississippi and Puerto Rico. If you are not the age of majority in your state you may qualify with a cosigner who is or other unique circumstance that would allow you to qualify.

  • In repayment or grace on one or more outstanding private or federal student loans

  • Able to meet Bayport Credit Union's standard underwriting criteria (a cosigner may be necessary and may also help you qualify for a lower rate)

  • Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded)

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