Student Loans

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

Don’t let gaps in federal funding keep you from getting your education. Our Student Choice Private Lending Solution provides the additional funds you need and features you want, including:

  • Zero origination or prepayment fees
  • Lower interest rates
  • Flexible repayment options
  • Easy online application and approval
  • Borrow up to $75,000, based on cost of tuition
  • Apply once and get access to a convenient line of credit that lets you secure financing for your entire college career*

*Subject to qualification and annual credit review.

For more information and to apply online visit our Student Choice website.

Apply Online

Tips, Tools & Resources | Manage Account | Rates

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

Funding Your Education

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 CCCU 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. 

Do I need a student loan?

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.
    • CCCU 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.


Tools & Resources

  • Calculators

  • Deposit Rates

  • Loan Rates

  • Forms

Loans