Student Lending Center
Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you've exhausted lower-cost sources of aid.
Get funding for your entire undergraduate career with just one application*
Open your line of credit even if you're unsure of the amount you’ll need
Roll private student loans from other lenders into your line of credit
In-school deferment and convenient repayment terms available
Interest rates and monthly payments rise and fall according to the Prime index. The variable rate option does allow for a longer repayment period than a fixed rate option, which could result in a lower monthly payment. Learn More
Rate Ranges: 7.74% - 12.74% APR†
Borrow up to $75,000.
Repayment term of 20 or 25 years◊.
Apply for Variable Rate
Your interest rate and monthly payment will remain the same for the life of your loan. The fixed rate option offers a shorter repayment period than a variable rate option, which could result in a higher monthly payment. Learn More
Rate Ranges: 6.99% - 10.49% APR†
Repayment term of 10 years◊◊.
Apply for Fixed Rate
Important Disclosures and Rate Details
You can potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during full repayment**
Learn about the status of federal student loans or federal student loan updates for 2025-2026, the financial aid process, the ins and outs of federal and private student loans, and the application process and timeline.
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If you are left with funding gaps to cover college costs, you might be considering Federal Direct PLUS or private student loans. There are some key differences between the two – learn more in our side-by-side comparison chart.
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To be eligible for our private education line of credit, you must be enrolled in a degree-granting program at an approved school‡ and be a member of Affinity Plus Federal Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded. Be sure to review all eligibility requirements.
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* Subject to annual review and credit qualification. Must meet school's Satisfactory Academic Progress (SAP) requirements. ** The APR will not fall below the floor rate regardless of the index or any additional rate discount † APR = Annual Percentage Rate ‡ Approved schools subject to change without notice. ◊ Variable Rate Option: the repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000. ◊◊ Fixed Rate Option: the repayment schedule is fixed at 10 years regardless of the amount you borrow. Full repayment begins at the end of the grace period, unless full repayment is selected during enrollment.