Graduate Solutions

Focus on what is really important and let us handle the rest!

Our Student Choice private loan solution is designed to fill the funding gaps that may exist after all lower-cost sources of aid (including scholarships, grants, and federal Direct Subsidized and Unsubsidized loans) have been exhausted. And since these loans are being offered through University Credit Union, you know you're getting a great deal from a not-for-profit lender you can trust.


Benefits of our variable rate solution

  • Ability to secure your college funding even if you're unsure of your college or exact funding needs

  • Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment

  • Multiple repayment & in-school deferment options

  • Borrow local from a not-for-profit credit union you can trust


See rates page for additional information, repayment examples, and important disclosures

We offer both fixed and variable rate options so you can decide which is best for your needs.


Consistent monthly payment - year in and year out.


Current offered rates between 3.99% and 6.99% APR

Borrow up to $100,000



Pro: A predictable monthly payment with an interest rate that doesn’t change.


Consider This: You may pay more over your repayment period because fixed rates are typically higher than starting variable interest rates.


Repayment Term: The loan term is a total of 15 years including a combined maximum of 4.5 years of in-school or grace period, and a repayment term of up to 10.5 years.



Apply for a fixed rate loan


Monthly payments can vary over time.


Current offered rates between 4.49% and 9.49% APR

Borrow up to $100,000


Even if the ongoing pandemic is leaving you unsure about the college you'll be attending or the exact amount of funding you may need, we've got you covered! You can still establish a line of credit to secure your funding, and then come back later this summer once you've finalized your plans in order to request the exact funds you need and/or select your school. We're here for you.


Pro: Unique line of credit structure lets you borrow once for your full graduate career without reapplying each year1. Potentially lower starting interest rates could result in lower monthly payments.


Consider This: Your interest rate can rise and fall over the life of your line of credit so your monthly payment and total interest cost may vary.


Repayment Term: 20 years if your principal balance at repayment is $40,000 or less, or 25 years if your principal balance at repayment is more than $40,000.



Apply for a variable rate line of credit

More Helpful Information


FAQ Eligibility
Common Questions Are you Eligible Approved Schools


  1. Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements.
  2. See rates page for additional information, repayment examples, and important disclosures.
  3. Approved schools subject to change without notice
  4. Make sure to maximize all lower-cost sources of funding before considering a private student loan. For more information, check with your school's financial aid office or visit the Federal student aid website

A better deal from your local not-for-profit cooperative


More than 1,500 approved schools across the country


Answers to your most common questions


Financial resources to help you succeed in college and beyond

IMPORTANT: Loan applications for the Summer 2021 academic term are now available!
(If you need funding for the 2021-2022 academic year (starting in Fall 2021) please check back in late April.)