By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Rates and terms are subject to change at any time without notice. Rate reduction may be available when payments are applied automatically. Other restrictions may apply. $5,000 minimum with maximum loan amount of $75,000. City & County Credit Union membership required.