Student Loans
Higher education is a big deal. And Affinity Plus private Student Loans can help you manage the financing, so you can focus on what's important.
Who's Eligible
- U.S. citizens or permanent residents
- Students enrolled in, or have graduated from, one of the 1,500 approved schools across the country1
- Existing Affinity Plus members, or those who are eligible to join
Student Lending Center
Log in to the Student Lending Center to access your student loan application, make a payment, or request funds from your existing line of credit.
Loan Features
No Fees
No application, origination or administration fees.
And you can pay off your loan early without a prepayment fee.
Competitive Rates
See our current low rates.
And you can lower your rate further with automatic payments2.
Cosigner Option
Add a cosigner for increased approval chances.
Cosigners can be released during repayment with 48 on-time payments.
Digital Banking
Easily view and manage your student loan through digital banking.
Loan Options
We've partnered with Credit Union Student Choice to offer you affordable private student loan options.
Undergraduate Line of Credit
Fund gaps in financing for attending college as an undergraduate student.
- Borrow up to $75,000
- 10-year repayment term for fixed rate loans
- 20- or 25-year repayment term for variable rate loans, depending on the total loan balance
Graduate Line of Credit
Fund gaps in financing while pursuing a graduate education.
- Borrow up to $75,000
- 20- or 25-year repayment terms, depending on total loan balance
Student Loan Refinance
Easily manage multiple student loans when you roll them all together.
- Refinancing amounts available up to $100,000
- Flexible repayment terms
Technology Loan
Finance the technology you need like laptops, tablets and more. And you can lower your interest rate with good academic performance!
- Up to $3,000
- Reduce your rate up to 2% each year you earn a “B” grade point average3
Here to Help
Membership Questions
Learn about Affinity Plus membership (required for loans with us) on our become a member page.
More Resources
Learn how to select the right student loan for you, get help understanding financial aid, and even speak to a college counselor. Student Loan Learning Center
Loan & Application Questions
For questions about your application, student loan, or loan payments, please contact Student Choice.Disclosures
- You must be enrolled in, or have graduated from, a degree-granting program at an approved school. You can check if your school is approved for undergraduate, graduate, or refinance loans.
- Borrowers eligible for 0.25% rate discount during full repayment of principal and interest by electing to make automatic electronic payments. The APR will not fall below the floor rate regardless of the index or any additional rate discount. Discount applied only while automatic payments remain active.
- You may be eligible for a 1.00% interest rate reduction for each academic semester in which you achieve a grade point average of “B” (3.0) or higher, subject to a maximum reduction of 2.00% per calendar year. To receive a rate reduction, you must submit a request along with documentation of qualifying grades (i.e. a school transcript). Approved reductions will be applied prospectively from the date the transcript is received and processed and will not be applied retroactively. If a transcript is not submitted for a given semester, no rate reduction will be applied for that semester. Any rate reduction applied will remain in effect for the remaining term of the loan, regardless of subsequent academic performance.