Save thousands when you refinance your student loans at First Tech
Take advantage of this special offer to take up to a 90-day break from payments2 and lock in a new low monthly payment.
If you accept this loan offer, you will become a member of First Technology Federal Credit Union. First Tech is a member-owned, full-service financial institution with all the products and stellar mobile and online services you would expect from a top national bank. There is no setup or recurring cost to join. Just answer a couple questions on the membership page of the application. If you aren't sure how to qualify as a member or have any questions at all, call us at 888.422.5680 and we’ll be happy to help.
| You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT(1-888-567-8688). See PRESCREEN AND OPT-OUT NOTICE below for more information about prescreened offers. |
1Pre-Approved Credit Offer:
You have been pre-approved to refinance your Student Loans with First Tech Federal Credit Union. You received this offer because you meet First Technology Federal Credit Union initial credit worthiness criteria. If your credit worthiness materially differs from the information used during our pre-approval process, or you are unable to meet our product guidelines, First Tech reserves the right to decline your application. Maximum Total Monthly Debt payments-to-Income percentage of 45% applies. Higher than 45% may result in First Tech declining your application
Student Loan Product Guidelines: The graduating school must be Title IV eligible. Title IV refers to the Higher Education Act. A Title IV school is an institution that process U.S. Federal student aid. You must be a U.S. Citizen or a Permanent Resident Alien. Only U.S. Financial Institutions and or U.S. Loan servicing Student loans are permissible for refinance. Refinanced loans must be paid off in full; First Tech will not allow partial payoffs. First Tech accepts PARENT PLUS loans with proof of the student beneficiary. First Tech will also need proof of ownership or statement of the student loans being refinanced.
Membership Qualification: Even though you are approved for the loan, Credit Union membership is required and subject to approval.
The Offer and/or Loan Options: APR = Annual Percentage Rate. The monthly payment is an estimation and will vary depending on the final loan amount that is being refinanced.
Minimum and Maximum Loan amount requirements:
The 5 year term requires a minimum balance of $5,000.
The 7 year term requires a minimum balance of $7,000.
The 10 year term requires a minimum balance of $10,000.
The 15 year term requires a minimum balance of $20,000.
For all terms a maximum of $150,000.
Loan Payment Example:
2 Deferring your first payment (up to 90 days from the funding date of your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your APR and the total interest you pay. All other loan terms and provisions will remain the same.
| PRESCREEN AND OPT-OUT NOTICE PRESCREEN AND OPT-OUT NOTICE: You received this “prescreened” offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688), visiting the website at www.optoutprescreen.com, or writing to: Equifax Inc., Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion, Name Removal Option, P.O. Box 505, Woodlyn, PA 19094; Experian, Opt Out, P.O. Box 919, Allen, TX 75013. |