A Better Way to Pay

Lower rates. Flexible repayment options. Student Choice offers undergraduate and graduate student loans that help you achieve a higher education without higher costs.

Invest in Your Future

When scholarships, grants, and federal aid aren’t enough, private student loans can be a necessary and cost-effective way to fill educational funding gaps. We want to make financing college easier so you can focus on what's really important - achieving your dreams of a higher education at the school of your choice!

Why should you choose a Student Choice loan?

  • Low interest rates
  • Flexible repayment and in-school deferment options
  • Easy online application and instant credit decision
  • 24/7 call center and application support
  • Convenient line of credit structure allows you to get funding for your entire undergraduate or graduate career with just one application1,2
  • A loan from a local, not-for-profit lender you can trust for years to come

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

2 Product offering may vary by credit union

Who is eligible?

  • Undergraduate Students or Graduate Students
  • U.S. citizens or permanent residents
  • Students continually enrolled in a degree-granting program and meeting the school’s minimum Satisfactory Academic Progress (SAP) criteria. Before applying, make sure to check that your school is included in our listing of approved schools.3
  • Able to pass a credit check (A co-borrower may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)
  • Eligible for credit union membership

3 Approved schools subject to change.

View Approved Schools

Student Choice loans are available to students attending nearly 2,000 colleges nationwide. View our approved schools list to find out if your school is eligible.

Know Before You Borrow

Understanding financial aid lingo and choosing the best solutions can be confusing. View some simple resources to help you make an informed choice about financing your college education.

Find a Credit Union & Apply

Student Choice private student lending solutions are available from hundreds of credit unions nationwide. Use our search tool to find a credit union near where you live or attend school, or click here to view our entire list of participating credit unions by state.


What is a credit union?

Credit unions are not-for-profit, member-owned financial institutions that exist to serve the financial needs of their member owners. Because credit unions aren't focused on making a profit, they value educating each of their members on which financial option would be best for their own situation.

Why borrow from a credit union?

Unlike for-profit banks and lenders, when you borrow from a credit union you’re supporting a local business focused on the needs of its members, not bank stakeholders. As not-for-profit financial cooperatives, a credit union can offer a fair-value loan that has your best interests in mind.

Who is Student Choice?

Founded in 2008 by several of the nation’s leading credit unions, Student Choice created a private student loan solution focused on the needs of credit union members. We provide loan processing and other support for credit unions so they can offer a better way for many students to pay for college.


Meet Angelika

"As a first generation Polish immigrant and college student, one of my main objectives was to make certain my parents' sacrifice was worth the trip into the United States. Investing in my own future would not have been possible without the Polish & Slavic Federal Credit Union student loan I received throughout three consecutive years. The application and acceptance process was simple and renewing in the following years was even simpler. With the low interest rate at the credit union, which is even lower than my federal loan rates, I did not feel financially strained."

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