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Borrow where you belong

You’re more than just a loan - borrow from America’s leading, trusted credit unions and experience the difference for yourself.

IMPORTANT: The Biden administration recently announced several measures related to federal student loan repayment and possible debt cancellation. If you have federal student loans, we encourage you to learn more by contacting your federal student loan servicer, visiting, or by reading our recent blog post.

It’s as easy as

Input Info icon Step 1 Input Your Information Sharing some basic info will help us match you with credit unions that best meet your needs.
View Options icon Step 2 View Your Matches We’ll show you a list of credit unions and loan options that could be a good match for you.
Apply icon Step 3 Apply Today Make your selection from the list and complete the easy online application. Get Started

Benefits of finding your perfect credit union match

Borrowing from a credit union to help fund your college dreams is the best financial move you can make — right now, and for years to come.

  • Help from a humanAt every stage, one of our representatives will be available to assist you.
  • More time to pay it backSome loans allow you to make payments over 20 or 25 years, helping you afford monthly payments.
  • No reapplying With our private education line of credit, you can borrow in future years without having to reapply**Subject to credit qualification and annual review. Must meet school's Satisfactory Academic Progress (SAP) requirements.
  • No gimmick rates With our matching process, you can self-report your credit score to find out the rates you'll likely receive. No gimmicks!

What people are saying

Quote icon Rates were competitive, it was easy to schedule and we had someone to answer questions in person. There is a certain comfort in going through the credit union. You know they care about you. Susan,University of Kentucky
Quote icon I was very pleased with the assistance I received from every person I spoke with about my loan. I also like the fact that CFCU directly paid my college and there was no middle man. Kaleb,State University of New York at Albany
Quote icon They were easy to deal with, always had the answers and offered [a line of credit] so we didn't have to request new loans any time money is needed. Laurie,Otterbein University
Quote icon Very pleased with the one-on-one service and prefer the LOC option over a set loan amount that may or may not be the correct amount. Also, just a fan of TCU and feel better working with them on something this big. Ralph,Indiana University - Bloomington
Quote icon Having been a Georgia’s Own member for a long time, there’s never been another business that is easier, more trustworthy, and best rates than them. Patricia,Georgia Southern University
Quote icon It was a very easy process. I was amazing that I was given a name of a person who would help me through the process. I called a few times & it was a direct line to someone who was so kind, pleasant, and helpful. Peter,University of New Hampshire
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*APR = Annual Percentage Rate

In order to apply for a loan, you must first pick an individual credit union from which you wish to borrow. You can apply for the loan without being a member of the credit union you select, but you will need to become a member of that credit union in order to receive a funded loan. Therefore, it's important that you select a credit union that you will be eligible to join. Credit union membership requirements can include where you live, work, or attend school. Results are based on membership criteria provided by individual credit unions and do not imply a guarantee regarding accuracy or eligibility to join the listed credit union(s).

Calculations are based on the lowest possible rate and available repayment terms per lender. Rate estimates are based on credit information entered by the user and will not impact your credit. During the application process, a hard credit inquiry will be performed to provide exact rate information. Repayment calculations assume immediate full repayment. View the full range of rates and terms by visiting your credit union's website using links listed for each credit union above.

Using the free student loan refinance calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.

IMPORTANT NOTICE for refinance borrowers: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy cosigner which may result in a better chance of approval and/or interest rate.