Private Student Loans

Let us help you pay for college to achieve your dreams. Apply with us today! *View Terms and Conditions

Variable Rate **View Conditions for Variable Rates

as low as 3.96% APR

(with autopay View Conditions for Autopay Discount)

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Why Borrow With Us?

Borrow What You Need

Borrow up to $20,000 per year, with a maximum of $80,000 in undergraduate loans or $120,000 in graduate loans.

Competitive Interest Rates

Based on your academic history, your rates may be even lower.

0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate. View Conditions for Autopay Discount

No Origination Fee

Why pay us money to process your loan application? We'll never charge you any origination fees.

Cover Your Education Costs

Use your loan for any qualified educational expense including tuition, room & board, books, and even computers.

15 Minutes & Done

Complete your entire application online in under 15 minutes.

  • Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
  • Flexible Payment Options — Multiple in-school payment options to select from - interest-only or $25.00/month payments.

Are You Eligible?

In addition to Caltech Employees Federal Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You've reached the age of majority in your state.
  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You're enrolled at least half-time at an eligible school.
  • You have a GPA of at least 2.0.
  • You meet the Satisfactory Academic Progress standards as defined by your school.
  • You're a member of Caltech Employees Federal Credit Union (or become a member during the online application process).
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