Cut your student loan payment, open a US bank, and build credit.
TransferYourLoan US uses AI to refinance and restructure your education loans, helps you open a no-fee US bank account in minutes, and gets you started with a credit builder loan that reports to all three bureaus.
Everything a US borrower actually needs.
Whether you're a graduate juggling student debt, a newcomer opening your first US account, or rebuilding your FICO, we have a fast and free starting point.
AI Education Loan Optimizer
We scan every federal and private student loan you carry, then engineer the lowest monthly payment using refinancing, income-driven repayment, and consolidation. Most borrowers cut their monthly bill by $200 to $450.
- Refi quotes from 12+ US lenders
- PSLF and SAVE plan eligibility check
- No origination or hidden fees
Open a US Bank Account
Skip the branch. Open a no-fee FDIC-insured checking and high-yield savings account fully online, with US debit card delivered in 5 to 7 days. SSN or ITIN both accepted.
- No minimum balance, no monthly fees
- 4.0%+ APY on savings
- Newcomer and international student friendly
Credit Builder Loan
Start with no credit score and build a real FICO history in months. We fund a secured installment that reports to Experian, Equifax, and TransUnion. You get the money back when you're done.
- Reports to all 3 bureaus monthly
- Low fixed $25 to $150 payments
- Average 58-point FICO lift in 9 months
See your student loan drop in real time.
Punch in your balance and rate. Our engine instantly models the cheapest path across refi, IDR, and consolidation.
- Private refinance quote at 5.4% APR (autopay)
- SAVE plan eligibility check on federal portion
- Consolidation routing for variable-rate balances
- FICO impact: +38 points in 6 months
How it works
Four steps, fully online, free to start.
Tell us your goal
Lower a student-loan payment, open a US bank, or build credit. Pick one or all three.
AI builds your plan
Our engine runs thousands of scenarios across US lenders, banks, and credit products.
Compare clear options
Side-by-side numbers, no fine-print surprises. You pick what fits your life.
We close it for you
Real US advisors handle the paperwork end-to-end. Online, no branch visits.
Real numbers, real outcomes.
"Cut my Sallie Mae payment by $340 a month. The advisor walked me through every line of the offer."
"Opened a US checking and savings account in under 10 minutes with my ITIN. Debit card arrived in 4 days."
"Went from no FICO score to 712 in 9 months. Got approved for my first real credit card last week."
US borrowing and banking - related topics
Concepts every US borrower or newcomer should understand before optimizing money.
Education loan refinance - Replacing federal or private student loans with a lower-rate private loan.
Student loan consolidation - Combining multiple federal loans into a single Direct Consolidation Loan.
SAVE repayment plan - Newer income-driven federal plan that caps payments at a share of discretionary income.
Credit builder loan - Small installment loan reported to all three bureaus to establish FICO history.
FICO score - Most widely used US credit score, range 300-850.
FDIC insured account - US bank deposit insured up to $250,000 per depositor.
High-yield savings - Online savings account with APY several times the national average.
ITIN bank account - US checking account opened with an Individual Taxpayer Identification Number.
Newcomer banking - Banking products built for non-citizens, students and new arrivals.
One free call. Three big wins.
Tell us where you are today. We'll come back with a custom plan covering your student loan, your US bank account, and your credit score.
- Free AI analysis of your student loan
- FDIC-insured US bank account in minutes
- Credit builder loan that reports to all 3 bureaus