cuScholar Private Student Loan

When federal student loans aren't enough to cover the cost of your education, a cuScholar Private Student Loan can help. With a loan from a non-profit credit union in the cuStudentLoans program, you can borrow up to your Cost of Attendance for both undergraduate and graduate programs.

Student Benefits

  • No origination fee
  • Credit + Academic based underwriting
  • 1% Interest Rate Reduction once you have entered the full repayment period and 10% of the loan principal is repaid1
  • 0.25% Interest Rate Reduction when you sign up for automatic ACH payments
  • Cosigner release available for creditworthy borrowers after 24 consecutive on-time payments

Apply With a Co-signer

While not required, we strongly encourage undergraduate students to apply with a creditworthy co-signer if they may have difficulty qualifying for a loan due to limited income and credit history. This may increase an applicant's chances of approval and of possibly obtaining a better interest rate.


  • No prepayment penalties
  • Fast pre-approval once your completed application is received
  • Use the funds for any qualified educational expense, including past due tuition bills

Loan Terms

  • Borrow up to 100% of your cost of attendance (max. $120,000 for undergraduates, $160,000 for graduate students)
  • Use the funds for any qualified educational expense, including past due tuition bills
  • Loan cancellation available within 30 days of disbursement with no fees or interest due


  • Borrower must be enrolled in an eligible school and pursuing a degree program
  • Borrower must be a member or join a participating credit union during the online application process
  • Borrower must be a U.S. Citizen or permanent resident
  • Creditworthy student borrowers can apply without a cosigner

1 Subject to lender approval. Borrower must meet lender's credit and income requirements.