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LendKey Private Student Loan

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

Apply for a LendKey Private Student Loan

Student Benefits

  • No origination fee or prepayment penalties
  • Available for both undergraduate and graduate school student loans
  • 0.25% Interest Rate Reduction with automatic payment
  • Interest paid on private student loans may be tax deductible
  • Cosigner release available
  • No handoffs ever, you stay with LendKey from application to final payment
  • 30-day no-fee return policy for all borrowers
  • All loans funded by community lenders like not-for-profit credit unions and community banks
  • 97% borrower satisfaction shows our best in class customer service

Apply With a Cosigner

While not required, we strongly encourage students to apply with a creditworthy cosigner 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.

Apply for a LendKey Private Student Loan


  • Funds can be used to pay for qualified education expenses, including:
    • Tuition
    • Room and board
    • Books
    • Computer(s)
    • More!

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

Apply for a LendKey Private Student Loan


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