Student Loans

Low Rates & Flexible Repayment Terms

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Borrow smart and take advantage of a better way to pay for college with zero origination fees, lower rates and flexible repayment terms.

Whether you are attending college or learning to manage your money after graduation, City & County’s Student Choice Private lending solution can help reduce the stress and cost of higher education.

Private Student Loans

private student loan gives you another way to fund your education, and our student loans make life easier by only requiring you to apply once for your student loans.

  • Zero origination & prepayment fees
  • Flexible repayment options
  • Easy online application & approval
  • Apply once & get access to a line of credit to fund your college career*
  • Borrow up to $75,000

Student Loan Refinance & Consolidation

Refinancing your student loans means you use a new loan to pay off your old loan. This new loan usually has better rates, better terms or lower monthly payments.

  • Zero origination & prepayment fees
  • Low variable and fixed rates
  • Easy online application & approval
  • Refi & Consolidate both federal and private loans
  • Refi & Consolidate up to $75,000

Manage Student Loan Account

Confidently and easily manage your student loan account.

Student Loan Rates

Find our current student loan rates for undergraduate loans and refinanced student loans.

CCCU Student Scholarships

To help cut the cost of higher education and empower our members to do more, City & County Credit Union is awarding ten $1,000 college scholarships.

The application for the 2023 City & County scholarship has closed.

The City & County scholarship will return in August 2024. Keep an eye out for more details!

FSC Scholarships

The MnCUN Foundation Scholarship Council (FSC) awards scholarships to help members from credit unions headquartered in Minnesota continue their education.

Applications typically open for their annual scholarship in September. Check back for more details!


*Subject to qualification and annual credit review.

If you took out a City & County student loan before June 2016, click here to manage your LendKey or CU Student Loans account.

Education can be costly, but there are many ways to help make it more affordable. The first step is to learn about your funding options.

  • Family Contribution
    This consists of money you, your parent(s), and other relatives contribute to your education.
  • Scholarships & Grants
    This is considered "gift aid" and does not require payment. Check back often for new scholarships available to City & County Members.
  • Federal Work-Study Program
    The Federal Work-Study Program provides funds for part-time employment to help needy students finance the costs of postsecondary education. Ask your education institution for complete details.
  • Loans
    The original loan amount, plus interest, must be repaid. School loans are based on one academic year, and students must reapply for these loans every year.

It depends. There are many factors that influence the final cost of tuition. Talk with your financial aid department at your education institution to review your options. Here are a few things to know before you begin the process:

  • Free Application for Federal Student Aid (FAFSA): More than $150 billion each year is provided to students in the form of grants, loans, and work-study funds for college or career school. Click the link above for more details.
  • Student Aid Report (SAR): This report is created and delivered to you and your school once your FAFSA has been processed.
  • Award Letter: An award letter notifies you of your financial aid award for the upcoming academic year. This award letter may include a preferred lender list, but you have the right to choose a different lending institution, including City & County Credit Union.
    • City & County's Lending Code: 831908
    • Need for Additional Funds: If you still need additional funds after scholarships, grants, and awards, come in to City & County to find solutions to pay for your education.

    Student Loans Guide

    You're passionate about your future and eager to pursue your dreams, but you know that education comes with a price tag. As you prepare to take the leap into higher education, you may be feeling excited, nervous, and overwhelmed all at once. Student loans are a common way to finance education, but with so many options out there, it's hard to know where to start.

    That's where we come in. This comprehensive resource is the ultimate guide to student loans, answering all your burning questions, and demystifying the lending process. 

    What's Inside

    • Loan Basics: Understanding the Fundamentals
    • Types of Loans: Finding the Right Fit
    • What Are Lenders Looking For?
    • Step-by-Step Through the Loan Application Process
    • Tips for Setting Up Payments and Starting Off on the Right Foot