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With a Credit Union

Get a match in minutes – we will match you with a credit union lending solution that best fits your needs!

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Credit Unions Put You First

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.

In-School Options

  • Undergraduate and graduate solutions
  • Pay for tuition, housing, books, and more
  • No need to reapply every year◊

Rates as low as 4.03%APR*

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Refinance Options

  • Combine federal and private student loans◊◊
  • Student and parent borrowers welcome
  • Potentially lower your monthly payments◊

Rates as low as 5.10%APR*

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A Match in Minutes

Answer a few simple questions.

Knowing where you live, work, and go to school will help us find the best matches for you.

Compare rate and repayment options.

We’ll show you solutions from several credit union matches. Select the one that fits your unique needs.

Choose your credit union and apply!

Apply online quickly and easily. Get your credit decision today.

No Membership? No Problem!

Apply now, join later. Once your application is approved, you will need to join your chosen credit union. Membership offers numerous lifetime benefits, and just about anyone can join! When you’re ready, our top-notch support will help you get started.

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About Student Choice

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

225+

Credit Union Partners

125,000+

Families Helped

50,500+

Loans Paid Off

Real Borrowers, Real Stories

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Refer A Friend

Gregory, borrower

University of Minnesota – Twin Cities

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.

Bradley, co-borrower

Ohio University

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.

Brian, co-borrower

Aquinas College

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

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* APR = Annual Percentage Rate. 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.

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

◊◊Remember that by refinancing federal student loans, you will lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans.

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.