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Education Refinance Loan (REFI)

4.85% – 7.50% APR (4.85%-7.50%)


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The Education Refinance Loan (REFI) is Alaska’s student loan debt solution. There are no hidden costs, no fees, and no prepayment penalties. With ACPE’s REFI loan you can consolidate your education loans into one monthly bill with 24/7 online account access.

 

RATE

FICO

RATE

FICO

RATE

FICO

5 Yr TERM 10 Yr TERM 15 Yr TERM
4.85% 780+ 4.95% 780+ 5.25% 780+
5.10%  720-779 5.20% 720-779 5.50% 720-779
7.10% 680-719 7.30% 680-719 7.50% 680-719

 

ACPE Repayment Calculator

ACPE’s REFI loan has flexible borrowing limits from $7,500 to $250,000. Refinance loans above $125,000 also require a debt-to-income ratio of 45% or less.

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Eligibility

You may qualify even if you did not finish your degree program.

  • Be an Alaska resident (primary borrower only), or
    • Be a previous borrower, cosigner or beneficiary of an education loan with ACPE, or
    • Be a graduate of a high school or postsecondary institution physically located in Alaska;
  • Have at least $7,500 in qualifying education loan(s), in good standing;
  • Have a minimum FICO credit score of at least 680 or higher; and
  • Have a debt-to-income (DTI) ratio of 45% or less if refinancing more than $125,000, or have a cosigner who meets the FICO and DTI requirements.

 

Before you take out the Education Refinance Loan, there is important loan information you should know. At ACPE, we've put this together in one spot for you to review: ACPE REFI Loans - What You Need to Know


Your ACPE Refinance application will be processed by CampusDoor. By clicking “APPLY NOW” below you will be redirected to CampusDoor to complete your loan application. If you need assistance or have questions about your application, you may contact CampusDoor 8:00 a.m. to 5:00 p.m. AKST by calling (855) 210-8183 or email answers@campusdoor.com.

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