student loans
Whether you need private student loans or want to refinance, United is here to help you find a budget-friendly way to pay for college.
a better way to pay for college
we provide clear guidance and flexible funding.
When federal loans or other forms of aid aren’t enough to cover all your undergraduate school costs, that’s where an education loan from United comes in. We offer low-interest rates, no origination fees and straightforward terms, so all you need to do is concentrate on learning.
Variable Rate Solution
Interest rates and monthly payments rise and fall according to the Prime index. The variable rate option does allow for a longer repayment period than a fixed rate option, which could result in a lower monthly payment.
Fixed Rate Solution
Your interest rate and monthly payment will remain the same for the life of your loan. The fixed rate option offers a shorter repayment period than a variable rate option, which could result in a higher monthly payment.
Student Loan Refinance
Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.
Multi-Year Approval
Borrow once for your entire college career. With the unique structure of our education line of credit, you will not need to reapply each year. Instead, you will simply request additional funds (called a "draw") for the amount you wish to have disbursed to your school each year.
Subject to credit qualification and additional criteria, including graduating from an approved school. This application is for a private student loan through United Federal Credit Union, offered through our partner Credit Union Student Choice. This is NOT a federal student loan application. United Federal Credit Union encourages you to exhaust your scholarship, grant, and federal student loan options before applying for any type of private student loan. Credit Union Student Choice is a company that serves credit unions in offering fair value student lending solutions. Please visit UnitedFCU.StudentChoice.org for more information.
All applications are subject to credit approval. Interest rates vary and are based upon borrower and/or co-borrower (where applicable) credit and other underwriting criteria.