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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.2 

  • No origination fee
  • Lower monthly payment
  • Competitive rate with extended repayment term
  • Co-signer release after 12 months of on-time, interest and principal payments, when requested
  • Flexible loan rate options - fixed or variable rates

Wherever you are in your higher education, get the money you need for school. Student loans from Congressional Federal in partnership with Sallie Mae® could help!

Sallie Mae® student loans are designed for the needs of all types of students.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® 

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Borrow Responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Congressional Federal is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. View additional eligibility information about each product.

1Although we do not charge a penalty or fee if you prepay your

loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

2IMPORTANT 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.


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