Private Student Loan
Fund your or your child's education
with a loans from LendKey's network
of not-for-profit credit unions.
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Get attractive rates, ranging from 3.28% to 9.24% APR.1 Our lenders may even consider academic credentials, which can lower your interest rate.
1% Interest Rate Reduction
Qualify once you’ve entered the full repayment period and repaid 10% of the loan principal.
Tax Deductible Interest Payments
The interest paid on your private student loan may be tax deductible.2
Available for creditworthy borrowers who have made 24 consecutive, full on-time principal + interest payments.3
There are absolutely no origination fees or
Rate Reduction Through Automatic Payments
Sign up for automatic ACH payments for an extra .25% interest rate reduction.4
See How It Works
cuStudentLoans is a network of 150+ not-for-profit credit unions
who use LendKey's platform to provide members with affordable student loan products.
cuStudentLoans offers borrowers two products: the cuScholar Private Student Loan
and cuGrad Student Loan Refinancing.
Find out how a creditworthy cosigner can make all the difference when it comes to
a loan application’s chances for success and approval—and even result in a lower rate!
Student Loans FAQs
All private student loans from cuStudentLoans are funded by not-for-profit credit unions. These local financial institutions keep operating costs low to pass savings directly to members.
Confirm your eligibility by completing an application in under 10 minutes.
Upon conditional approval upload a few required documents.
Receive final approval and review and accept the final disclosures and terms.
It's easy to apply for the cuScholar Private Student Loan.
All you have to do is follow these simple steps!
You can use your cuScholar Private Student Loan for
the following eligible academic expenses:
TUITION & FEES
BOOKS & SUPPLIES
Housing & Transportation
ROOM AND BOARD
(IF LIVING OFF CAMPUS)
STUDY ABROAD PROGRAMS
COMPUTERS & COMPUTER REPAIRS
CHILD CARE FOR DEPENDENTS
LICENSING & CERTIFICATION FEES
1. This is a variable rate loan, meaning that your rate may increase after consummation. Rates are based on the average of the 3-Month LIBOR as reported by the Wall Street Journal on the first of each month, for the last three months preceding the quarterly adjustment date (This base rate adjusts quarterly on the first day of January, April, July, and October). The rates advertised above assume that the borrower enrolls in automatic ACH payments and receives the .25% rate reduction. There is an interest rate floor of 2.99%, meaning that if the base rate + loan margin is less than 2.99%, the loan interest rate will be 2.99%. Please review the Application and Solicitation Disclosure for additional information.
2. Generally available for borrowers who have paid $600 or more in eligible student loan interest during the calendar year (with a maximum of $2,500 in eligible interest allowed to be claimed). Please consult with a tax expert to understand if this option is available to you.
3. In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.
4. Subject to 2.99% floor rate. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments..