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Student Loan

Your Education Is
Within Reach

Take the next step toward your degree with a student loan that skips origination fees and prepayment penalties.

APPLY FOR A STUDENT LOAN REFINANCE YOUR STUDENT LOAN
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Financing School Without the Fine Print

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Zero Origination or Prepayment Fees

Borrow or refinance without paying extra to start or finish early.

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Apply Once, Borrow as You Go

Get approved once and draw funds for your college career, subject to qualification and annual credit review.

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Borrow Up to $75,000

Cover tuition, housing, books, and other eligible education expenses up to your approved amount.

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Refinance Federal or Private Loans

Combine eligible student loans into one new loan with one monthly payment.

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Choose Your Own Lender

Your school may share a preferred lender list, but you are free to choose CCCU or another lender.

CHECK CURRENT RATES

Find the Right Path for School Costs or Student Debt

Private Student Loans
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Private Student Loans

Cover eligible education costs that remain after scholarships, grants, savings, and financial aid.

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Student Loan Refinance & Consolidation
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Student Loan Refinance & Consolidation

Bring eligible federal or private student loans together with one new loan and one monthly payment.

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New Federal Limits Could Change Your Plan

The One Big Beautiful Bill Act capped federal borrowing for graduate, professional, and Parent PLUS loans starting July 1, 2026. Find out how much you can borrow and what to do if federal aid doesn’t cover it all.

See What's Changed

See What's Covered Before You Borrow

Complete the FAFSA and review your award letter to see what scholarships, grants, work-study, and federal aid may cover before you consider a private student loan.

LEARN ABOUT FINANCIAL AID
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Estimate Your Student Loan Payment

See what a monthly payment could look like based on your loan amount, rate, and term.

CALCULATE MY PAYMENT
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Your Guide to Paying for College

See how financial aid, federal and private loan options, co-applicants, and repayment fit into the bigger picture before you borrow.

DOWNLOAD THE GUIDE

In undergrad, when I'd maxed out my financial aid and thought studying abroad in France was out of reach, City & County helped make it happen. It was life-changing, and now I'm applying to graduate programs abroad.

— Madison B, CCCU Member

Student Loan FAQs

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Take the Next Step Toward Your Degree

Apply online, visit a branch, or talk with a CCCU lending expert about your student loan options.

APPLY FOR STUDENT LOAN FIND A BRANCH