ithinkfi Student Loans

Student Loan Options

ithinkfi offers fixed-rate private student loans for undergraduate and graduate study plus refinancing for existing loans.

Undergraduate loans cover tuition, housing, books, and other certified education costs. Graduate loans provide larger borrowing limits for advanced degrees.

If you already hold student debt, the refinance loan consolidates multiple loans from any lender into one fixed-rate ithinkfi loan.

Eligibility and Co-Signers

Undergraduates usually need a creditworthy co-signer, while graduates and refinancers can often qualify on their own.

You must be a U.S. citizen or permanent resident, enrolled at least half-time in a degree program at an eligible school, and you or your co-signer must be an ithinkfi member. Your ithinkfi membership deposits remain NCUA insured up to $250,000 throughout the life of the loan.

A co-signer strengthens the application and can lower the APR. After 24 consecutive on-time payments, you can apply to release the co-signer from the loan.

Repayment Plans

You can choose immediate repayment, interest-only payments in school, or full deferment until after graduation.

Full deferment postpones both principal and interest while you are enrolled at least half-time. Interest-only keeps payments small during school so the balance does not grow.

Every plan includes a 6-month grace period after graduation before full payments begin, and there are no prepayment penalties at any time.

Refinancing Existing Student Loans

Refinancing with ithinkfi replaces your existing federal or private loans with a single fixed-rate loan.

Members refinance to lower their rate, combine multiple monthly payments into one, or shorten their repayment term. Terms run from 5 to 20 years.

Before refinancing federal loans, confirm you do not need federal benefits such as income-driven repayment or public service forgiveness. The Consumer Financial Protection Bureau explains these trade-offs at consumerfinance.gov.

How to Apply

The ithinkfi student loan application is completed online with school certification handled for you.

1. Check your rate

   See your fixed APR with a soft credit check that does not affect your score.

2. Add a co-signer

   Invite a co-signer if you want to strengthen the application or qualify for a lower rate.

3. Complete the application

   Enter your school, program, and the amount you need for the academic year.

4. School certification

   ithinkfi confirms your enrollment and costs directly with the school.

5. Sign and get funded

   E-sign the documents and funds are sent directly to the school on its disbursement schedule.