The New American College & Universities (NACU) connects campuses to collaborate in the delivery of innovative ideas and to champion the belief that an integrated liberal, professional, and civic education is essential to the future of our world.

In line with this vision, NACU has partnered with Student Choice to connect families with education financing solutions from trusted not-for-profit credit unions across the country.

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Paying For College

Easier with a Credit Union

An education line of credit from a not-for-profit credit union helps you cover tuition, fees, books and more. With approval for multiple years upfront, there’s no need to reapply for private student loans every year!◊

Undergraduate
Graduate & Professional

Already graduate and ready to refinance?

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Credit Unions Put You First

For nearly 20 years, we’ve been matching borrowers like you with credit unions. Repaying college loans is hard. Borrowing from a credit union can make it easier.

Member-Focused

Members enjoy benefits like lower rates & flexible repayment.

Service-Oriented

Credit unions provide members with exceptional service.

Community-Driven

Your money stays local & serves others in your community.

Not A Member? Not A Problem!

Apply now, join later. Once your application is approved, setting up your credit union account to receive funding is fast and easy. Check out the benefits of being a credit union member to learn more after you apply.

How to Pay for College Responsibly

Free Money First

Take advantage of scholarships, grants, and tuition discounts that often don’t need to be paid back when you meet minimum requirements.

Cheap Money Second

Explore federal student loans and evaluate future benefits especially based on your career choice.

Fill the Gap with Private Student Loans

Private student loans like an education line of credit help you cover remaining costs.

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Find rate options in minutes!

Enter the Basics

Personalized options in less than a minute based on your school and where you live.

Compare Your Options

View rates and estimate your monthly payment from not-for-profit credit unions.

Start Your Application

Pick the solution that fits your needs and submit the quick online application!

Education Line of Credit Built for Convenience

Line Of Credit

Apply once, and use what you need when you need it – no need to reapply for a new loan every year.◊

Competitive Rates

Fixed and variable rates to help you balance interest and payments.

Flexible Funding

Cover tuition, fees, books, housing and all your other education-related expenses.

Undergrad Rates

Compare Rates

Fixed Rates

2.99% – 14.74%APR*

Variable Rates

3.03% – 15.00%APR*

Rates shown include a 0.25% rate discount.**

Graduate Rates

Compare Rates

Fixed Rates

2.99% – 14.74%APR*

Variable Rates

3.99% – 15.00%APR*

Rates shown include a 0.25% rate discount.**

Easier Next Term

Just login next time you need more funds – no new applications or hard credit pulls.◊

Rate Discount

0.25% discount for setting up automatic payments – because every little bit helps.

No Hidden Fees

No origination, prepayment, or draw fees – what you see is what you get.◊◊

Simplify when you refi.

Combine multiple student loans.

Combine private and federal student loans, adjust your payment, or lower your interest rate to fit your repayment plan. PLUS loans can be refinanced by either the student or the parent.◊◊

Frequently Asked Questions

Browse our student loan refi FAQ.

Student Loan Refinance Rates

Fixed rates starting at

4.24% APR*

Variable rates starting at

4.25% APR*

Rates shown include a 0.25% rate discount.**

Proven results and top-notch support.

Don’t just take our word for it.

  • 223 Credit Union Partners

  • 115,686 Families Helped

  • 61,649 Loans Paid Off

The process was quick and easy. I was approved for a maximum amount that I can have easy access to if I ever need to get more money for school tuition instead of having to submit an application every time.

Gregory

I have enjoyed the flexibility and ease of this private student lending. It was the perfect option for me and I am very glad that it was recommended to me.

Alyson

I feel the credit union’s private student lending program is a fit for most people’s needs. I would recommend it to most anyone.

Lillian

The application process was very easy and all of the staff members were helpful, kind, and professional.

China

This should be any USC student/parent’s first choice when seeking a private education loan.

Jian, co-borrower

I have had a great experience with the credit union for both of my daughters’ student loans. Everything is easy to do online and whenever I have to call with a question, I always get top notch customer service.

Bradley, co-borrower

Compared to the loan my son got from another lender, this was much faster and easier.

Brian, co-borrower

The simplicity of requesting a line of credit to be used is so much simpler than having to reapply every year for another loan.

Elizabeth, co-borrower

While speaking to a loan officer we were given lots of great information so we could make informed decisions.

Karrie, co-borrower

The application process was quick and easy. When we called with questions they were answered quickly. The entire process was extremely efficient.

Vickie, co-borrower

College Counselor

Personal consultation for all your financing questions.

Ask A Question

FAQs

Learn about us and borrowing from a credit union.

Browse FAQs

Guides

Learn more about student loans and refinancing.

View Guides

Blogs

All the info you need on topics relating to student loans.

Learn More

Using the free student loan payment 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.

* APR = Annual Percentage Rate. For Private Student Loans: Rates shown include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.** For Student Loan Refinance: Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.** Variable rates subject to increase after consummation. Rates vary by credit union and depend on credit union membership eligibility. Please use our search tool to find the lowest rate for which you may be eligible.

** The APR will not fall below the floor rate regardless of the index or any additional rate discount.

◊ Subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements.

◊◊ Late payment and non-sufficient funds fees may still apply and vary by credit union.