Whether you’re trying to fill funding gaps to pay for college or pay back your existing student loans,

we have the solution that’s right for you.

 has partnered with Student Choice to provide you:

  • Student Lending Solutions

  • Refinance Solutions

  • Competitive Interest Rates

  • Flexible Repayment Options

  • Easy Online Application

  • Personal Support

Who is Student Choice?

Student Choice was founded in 2008 by America’s top credit unions to provide families a better way to pay for college.  Since then, we’ve built a network of the top not-for-profit credit unions across the country so families can easily find a lender that fits their unique borrowing needs. Student Choice manages the entire process and works with nearly 2,000 approved schools nationwide to take the hassle out of paying for college and refinancing.

Once approved, your loan will be funded by University Credit Union, a leading credit union serving college students and families since 1951.* In order to fund the loan, the borrower and co-borrower (if applicable) must be a member of University Credit Union. You may apply before becoming a member. If you’re not already a member, you can expedite funding by joining University Credit Union while we are processing your loan application.

How it Works

Select Your Loan

Choose a student loan or refinancing option that fits your needs.

Apply Online

You’ll receive an instant credit decision and can begin uploading documents as needed.

Funds Are Disbursed

Once approved, funds are sent directly to your school or previous lender.

Get Started

Undergraduate Student Loans

Variable Rate

Our variable rate solution is a line of credit – borrow once for your entire undergraduate career with just one application.**

  • Variable rates: % – % APR†
  • Line of credit with multi-year approval
  • 20/25-year repayment depending balance◊
  • Borrow up to $75,000 and 100% of your cost of attendance
  • Lower your rate by 0.25% by enrolling in electronic auto-pay‡
  • Choose full deferment, interest only, or make full payments while in-school
  • View important disclosures and rate details.

Fixed Rate

Our fixed rate solution is a closed end loan – you’ll reapply each year to lock in your fixed rate.

  • Fixed rates: % – % APR
  • Apply each year to lock in your rate
  • 10-year repayment term
  • Borrow up to $75,000 and 100% of your cost of attendance
  • Lower your rate by 0.25% by enrolling in electronic auto-pay‡
  • Choose full deferment, interest only, or make full payments while in-school
  • View important disclosures and rate details.
Get Started
Get Started

Graduate Student Loans

Variable Rate

Our variable rate solution is a line of credit – borrow once for your entire undergraduate career with just one application.**

  • Variable rates: % – % APR
  • Line of credit with multi-year approval
  • 20/25-year repayment depending on balance◊
  • Borrow up to $100,000 and 100% of your cost of attendance
  • Lower your rate by 0.25% by enrolling in electronic auto-pay‡
  • Choose full deferment, interest only, or make full payments while in-school
  • View important disclosures and rate details.

Fixed Rate

Our fixed rate solution is a closed end loan – you’ll reapply each year to lock in your fixed rate.

  • Fixed rates: % – % APR
  • Apply each year to lock in your rate
  • 10-year repayment term
  • Borrow up to $100,000 and 100% of your cost of attendance
  • Lower your rate by 0.25% by enrolling in electronic auto-pay‡
  • Choose full deferment, interest only, or make full payments while in-school
  • View important disclosures and rate details.
Get Started
Get Started

Student Loan Refinance

Refinance your existing student loans.

Refinancing your student loans can help you save on interest or lower your payment.

Get Started

Contact Us