Confused About Student Loans?


Financing your education can seem like a challenging task, but it isn’t impossible.

Always begin by pursuing financial aid and scholarships. Do your homework and research, research, research. You may be pleasantly surprised by the different options for which you may qualify.

Next, look for advice and information. We recommend that you visit our Student Planning page at members1st.studentchoice.org. You’ll find webinars, tips on planning for college, student loan information, and best of all — it’s FREE! You can also sign up to speak one-on-one with a free College Access Counselor.graduate smaller

Finally, determine any gaps after your financial aid and scholarship packages are set. Be sure to look for loans that offer competitive interest rates, convenient payment options and terms, and no origination fees.

This is where Members 1st can help! We want you to feel comfortable with your choice of loan provider and as your credit union, we are ready to help you with your lending and other financial needs as you progress through college, graduation, employment, and beyond.

We offer the following through our Credit Union Student Choice program:

Undergraduate Loans
• Borrow up to $40,000 per academic year

Graduate Loans
• Borrow up to $65,000 per academic year

Both Undergraduate and Graduate Loans
• Interest rate based on loan term and credit score
• 0.25% rate reduction for automatic payments
• Choose from three available repayment options
• Choose from three available loan terms
• Other qualifications apply

Refinancing Current Student Loans
• Borrow up to $200,000
• Variable and fixed interest rates available
• 0.25% rate reduction for automatic payments
• Choose from three available loan terms
• Other qualifications apply


Visit members1st.org » products-services » student-services for full details, qualifications, payment options, and more.

Or call our 24-hour call center at (800) 369-4980.

By Jeff Ernst, VP of Consumer Lending


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