Private Low-Cost Student Loan
Service One Credit Union can help fund your future with our private student loans. College is a big investment, but we are here to help you through the process.
Our low-cost student loan is designed to meet your educational needs.
Borrow What You Need
Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.
Refinance up to $125,000 in undergraduate student loan debt or $250,000 in graduate debt.
5 Minutes & Done!
Complete your entire application online in under 5 minutes.
Manage Your Loan
Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
In-School Student Loans
Service One Credit Union understands it’s not easy to get through school without financial assistance.
A private student loan from Service One can help pay for your educational expenses that weren’t covered by your financial aid package.
Complete your entire application online in 15 minutes
Manage your loan completely online 24/7
No more old-fashioned paperwork
No application fee for all student borrowers
Multiple in-school payment options, including interest-only and $25/month
It’s easy and free to apply
Consolidation Loans
Succeed after college with a student loan consolidation!
Service One Credit Union can help you take control of your student loan debt. Refinancing your federal and private student loans can help reduce your monthly payments or even help pay off your loans faster. We’ve partnered with LendKey to make repaying your student loan debt easier! Plus, enjoy these great benefits.
Make one loan payment instead of several
Choose the option that best fits your situation
Discount for making automatic (ACH) payments
Co-signer release after 12 months of on-time, interest & principal payments, when requested
Student Loan FAQs
Do I need to file the FAFSA before applying for a student loan?
It is recommended that you file the FAFSA along with applying for any available scholarships or grants before seeking a private student loan.
What types of student loans can I refinance?
Private, Federal and Institutional Student Loans are eligible for refinancing.
Get the most of your membership with Exclusive Perks
*Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your initial rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Service One Credit Union's credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Service One Credit Union, you must be a member of Service One Credit Union. If you are not a member of Service One Credit Union, you may apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.
**APRs for variable rate loans may increase after origination if the SOFR index increases. See Rates & Terms for additional information.