为学生贷款再融资的最后一页迫使我加入信用合作社。有任何不利之处吗？

[/ u / riccarjo]

我在Splash Financial中收到了通知，而备忘录中没有任何地方说他们需要成为特定信用合作社的成员，所以我只完成了他们的整个申请过程。我上载了所有表格，并输入了所有相关信息，等等。最后一页说：

为了向您提供您选择的利率，Splash与Lake Mills银行合作为您的贷款的最初贷方，并与First Technology Federal Credit Union（First Technology Federal Credit Union）（"First Tech") as the purchaser and servicer of your loan. Because your selected rate is only available to 第一科技 members, Splash has created an easy sign up process.

你应该知道什么

• 第一科技 is a not-for-profit credit union meaning they pass their earnings back to members in the form of higher savings rates and lower loan rates.
• 成为会员没有财务义务。 会员费用将由Splash代表您支付
• Completing your 第一科技 membership application is quick and easy.
• Along with your membership to 第一科技, you will receive a membership to the Financial Fitness Association.

Splash will cover the first year’s cost of membership in the FFA, after which you can let your membership expire without having to take any further action. Cancellation or expiration of the association membership will not affect your 第一科技 membership.



感觉就像是一个诱饵和开关，我有点担心我要签约我以后会后悔的东西。

 

[强尼]

I don't think there's anything to worry about here - Splash has identified different companies to initiate your loan and then to service it. It sounds like 第一科技 will be servicing your loan - which is important to note as that's who you'll pay.

信用合作社对会员资格有一定的要求，要根据地理区域或组织的会员资格加入-听起来像Splash会将最初的财务义务中的任何一项都计入其费用中。

Knowing that your loan will be serviced by 第一科技, you can go look at their current rates and fees here: 查看价格，节省& 分享 Certificates

我在该页面上看到的唯一值得注意的是，看起来好像有一笔3美元的贷款处理费，但是如果您使用自动付款（或通过自己的银行设置帐单付款），则可以免除此费用