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 5.54% APR
(with autopay ‡View Conditions for Autopay Discount)
Why Borrow With Us?
Borrow What You Need
Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.
Release Your Cosigner
Give more flexibility to your cosigner by releasing them from your loan after making 24 consecutive on-time full principal and interest payments. † View conditions for cosigner release
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.
5 Minutes & Done
Complete your entire application online in under 5 minutes.
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Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
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Flexible Payment Options — Multiple in-school payment options to select from - interest-only or $25.00/month payments.
Are You Eligible?
In addition to St. Cloud Financial 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 St. Cloud Financial Credit Union (or become a member during the online application process).