Private Student Loans

USSFCU provides low cost student loan options for those currently in school and for those looking to refinance existing student debt.

Low Rates • Great Benefits • Complete your entire application online in 15 minutes 
• Manage your loan completely online 24/7 • No application fee for all student borrowers 
• Multiple payment options including interest-only and $25/month 

In-school Student Loans

Use your personalized student loan for qualified educational expenses — including tuition, room and board, books, and other school-related expenses.

Why Borrow With Us?

  • Competitive interest rates and with good grades, the potential for even lower rates
  • 1% interest rate reduction once 10% of the loan principal is repaid during the repayment period*
  • Make monthly interest-only payments or $25 proactive payments while in school
  • Cosigner Release available for creditworthy borrowers after 24 consecutive on-time principal and interest payments during the Repayment Period

Apply Now


Student Loan Refinancing 

Simplify your finances with one easy monthly payment at one great low-interest rate.

Why Refinance With Us?

  • Competitive variable and fixed rate options
  • Flexible terms. Pay your loan off quickly, or keep your monthly payments as low as possible—the choice is yours. 
  • Interest-only repayment options for eligible borrowers**
  • Cosigner release available after 24 consecutive on-time principal & interest payments
  • Lower payment and competitive rate possible with extended repayment term

Refinance Now


College Planning Center

Receive expert guidance from birth to graduation using USSFCU’s College Planning Center powered by LendKey.

  • Determine your college savings needs and set goals that align with your personal financial situation
  • Step-by-step guidance and customized planning advice based on your child’s age
  • Powerful search tools designed to help find colleges and scholarships that fit your student’s academic profile

Start Planning Today!

Not all applicants will qualify for the lowest rate. Members should not send personal information via email. 

*Subject to floor rate. ** For 15 year term loans, borrowers may choose to only pay the interest for the first 48 months followed by 11 years of full principal and interest payments. Making interest-only payments will not reduce the principal loan balance, and the amount due will increase when the interest-only period ends.

 College Planning Center is licensed by LendKey from Invite Education, LLC. LendKey is an authorized service provider of USSFCU, not a lender or broker, providing lending matching services. USSFCU is not affiliated with LendKey. You are under no obligation to use LendKey to find a loan. View LendKey terms of use at https://www.lendkey.com/terms-of-use.