Ready to Get Started?
Available for Undergraduate & Graduate Students
Flexible student loans empower students and families by filling potential gaps in tuition coverage, leaving more time to focus on preparing students for their college experience. Metro offers unique private student loan options that feature:
- Flexible funding for undergraduate and graduate students
- Lower interest rates for undergraduate and graduate students
- Simple one-time online application
- Deferment of principal and interest while in school
- Convenient line of credit structure that lets you apply once and secure financing for your entire college career*
- Repayment interest rate reductions available for ACH payments and for veterans/active-duty military.
To be eligible to receive funding, the borrower must be attending an approved school.
Private Student Line of Credit Features
Ready to get started? It's as easy as 1, 2, 3, 4!
Confirm Eligibility and Apply - Confirm eligibility, apply online, or call us at 844.658.4564.
Submit Documents - Submit the required documentation once your line of credit has been conditionally approved.
Loan Certification - Your loan request is sent to your school's financial aid office to verify enrollment and requested loan amount.
Loan Disbursement - Once certified, you're all set! Payment is sent directly to your school through their preferred payment method.
Student Loan Refinance Offer
Get a $500 cash bonus!***
Refinance Your Student Loans
Refinancing your student loans could help you get the rate and the payment that fits your lifestyle. Pay back school on your terms with our student loan refinance solution at Metro!
Refinance both private and federal student loans, setting up one convenient payment and potentially lowering your rate.** Our student loan refinance option comes with:
- Competitive interest rates - fixed rate options
- Loan limit up to $150,000
- Flexible repayment terms to fit your needs
- Easy online application and instant credit decision
- Repayment interest rate reductions available for ACH payments and for veterans/active-duty military
Whether you want to lower your interest rate, pay your loans off sooner, or reduce your monthly payment, we’ve got options to fit your needs. Don’t delay – take control of your student loan debt today by refinancing with Metro!
Student Loan Refinance Resources
Helpful Links
Questions? We have answers!
For more answers, visit the Student Loan FAQs.
View All FAQs
*Subject to qualification and annual credit review.
**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.
***SPECIAL OFFER DISCLAIMERS: $500 Cash Offer – To qualify, the loan application must be started before 09/30/25. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $500. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.
