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Value Advantage Private Student Loan Refinance 

NEW- Value Advantage Private Refinance Loan designed especially for VADPFCU members who are employed with the VA Desert Pacific Healthcare Network 22: If you completed college within the past 10 months or the past 10 years and if you (or your cosigner) are employed by the VA Desert Pacific Healthcare Network VISION 22 let VADPFCU help with in refinancing your outstanding Private Education Loan balances!

Private Consolidation Loan Application and Solicitation Disclosure

To Apply, please click here

Returning Borrowers:
If you have already submitted an application, please click here to check the status of it.

Value Advantage Private Student Loan Refinance Program:
  • Minimum Loan Amount: $10,000
  • Program Limit: Refinance up to $100,000 in Private Loan Balances
  • When applying with a qualified co-signer, rates as low as 3-Month LIBOR plus a margin as low as 3%
  • Take up to 15 years to repay
  • One or more Private loans from any lender can be consolidated
  • Federal Education Loans are NOT eligible to be consolidated within this program
  • Borrower or co-signer must be employed by the VA Desert Pacific Healthcare Network, VISION 22.

Click here for the list of approved schools.​

Save time and money by refinancing and consolidating balances with VA Desert Pacific FCU today!​

Contact Us:
Representatives from Cology, our program partner, are committed to service excellence:
1.  For more information about our student loan programs, please call (866) 514-2387 or email vadpfcu@cology.com
2.  For more information once your loan enters servicing, please call (877) 276-1140 or email servicing@cology.com



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