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Routing Number: 254074345

Student Loans


Consolidate Your Federal and Private Student Loans*

At Congressional Federal we understand managing your student loans is not your top priority. That is why we want you to focus on your career and not your education loans. With our student loan consolidation program, you can combine your federal and private student loans into one easy payment with a lower interest rate. Building a brighter future starts with our easy four step process – apply online, get instant decision, customize your loan, and get funded. Learn more about the terms and conditions related to refinancing your student loans.* 

  • No origination fee
  • Lower monthly payment
  • Competitive rate with extended repayment term
  • Cosigner release available after 24 on-time monthly payments
  • Flexible loan rate options - fixed or variable rates

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Consolidate Your Student Loans

The Smart Option Student Loan® for Congressional Federal by Sallie Mae® For borrowers attending degree-granting institutions


Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or apply, get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fix and variable interest rates provides even more flexibility.
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialist


Before proceeding with a consolidation loan, you need to carefully consider those benefits and options that do not transfer to the CFCU private consolidation loan.

*IMPORTANT NOTICE REGARDING THE REFINANCING OF YOUR FEDERAL STUDENT LOANS WITH A CFCU PRIVATE STUDENT LOAN CONSOLIDATION: Please be aware that you may potentially lose certain benefits associated with your federal student loans with a private student loan consolidation. Benefits that may be lost include favorable repayment options, low and fixed interest rates, extended loan terms, and loan forgiveness. Additionally, certain employers may provide supplemental payments or subsidies on federal student loans as a benefit of employment and these payments may be ineligible if the loan is refinanced into a private student loan consolidation. We strongly advise that you seek professional advice and examine your benefits and options before refinancing your federal loans. It is important to us that you are comfortable with potentially forfeiting benefits that may not be offered through our consolidation loan.

We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.