Student Loans
We can provide clear guidance and flexible college funding solutions.

Why Choose Skyward for my Undergraduate Student Loan?

Don’t let gaps in federal funding keep you from getting your education. A Skyward Credit Union Student Loan provides the additional funds you need and features you want, including:

Zero origination or prepayment fees

• Lower interest rates
• Flexible repayment options
• Easy online application and approval
• Convenient line of credit structure that lets you apply once and secure financing for your entire college career¹

Be sure to follow these steps before you apply:

1. Fill out a FAFSA (Free Application for Federal Student Aid) form found at fafsa.ed.gov
2. Find out what scholarships you may be eligible for:
   Check with your financial aid office for scholarship listings and then apply for as many as you can. You may be surprised at how many scholarships are available. While many will not pay for your entire tuition, every little bit you don’t have to borrow helps.
3. Take the maximum amount of Federal Stafford Loans before applying for a Skyward Credit Union Student Loan. On subsidized loans while you’re in school.
   • Government pays the interest
   • Caps the interest rate

Apply Online
Or call 844-825-0745

Additional Resources

• FAQs 
   

¹Subject to qualification and annual credit review.

Going to graduate school is an exciting step in your education, so choose a loan solution that helps you focus on what’s important – your classes!

Our Student Choice private loan solution was designed to fill the funding gaps that may exist after all-lower-cost sources of aid (including scholarships, grants, and federal Direct Subsidized and Unsubsidized loans) have been exhausted. And since these loans are being offered through your credit union  , you know that you are getting a great deal from a not-for-profit lender you can trust.

What You Need to Know Before You Borrow

• The Student Choice private loan solution is currently only available for Graduate Business students enrolled, or enrolling in, a Business program at an approved business school 
• Low interest rates
• Flexible repayment and in-school deferment options
• Easy online application and instant credit decision
• 24/7 call center and application support
• Convenient line of credit structure allows you to get funding for your entire undergraduate career with just one application¹ 
• A loan from a local, not-for profit lender that you can trust for years to come

Who is Eligible?

Graduate business students who are:

• U.S. citizens or permanent residents (Foreign students are NOT eligible)
• Continually enrolled in a degree-granting program and meeting the school’s minimum Satisfactory Academic Progress (SAP) criteria¹. For fall and spring terms, you must be enrolled at least half-time. For summer term, you may be enrolled less than half-time. (Should you drop below half-time in the fall or spring, withdraw during any term, or fail to meet SAP requirements, your funding request can be denied, your line of credit may close, and you may enter repayment.) Before applying, make sure to check that your school is included in our listing of approved schools²  
• Able to pass a credit check (A co-borrower may be necessary for you to meet credit criteria, and may also help you qualify for a lower rate)
• Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member for the loan to be funded)

Apply Online
Or call 844-825-0745

Additional Resources

• FAQs
   

¹Subject to credit qualification and annual credit review. Must meet school’s Satisfactory Academic Progress (SAP) requirements.
²Approved schools subject to change.
Note: If you are a Graduate Student enrolled in a NON-Business program, please make sure to maximize all lower-cost sources of funding before considering an alternative student loan. You should also note that Federal Graduate PLUS loans are another option available for graduate students. Graduate PLUS loans provide enough assistance to cover your costs of attendance less other financial aid received. For more information, check with your school’s financial aid office or visit the Federal student aid website.

Take control of your student loans with a Student Choice Refinance Loan from Skyward! You’ll be able to refinance and consolidate your private and federal student loans into one manageable loan, setting up one convenient payment, and potentially lowering your rate.¹ Featuring a competitive interest rate  and zero origination fees, our refinance loan can help you simplify your life while amplifying your funds.

What You Need to Know Before You Borrow

• Refinance your private or federal student loans, including PLUS loans, up to $125,000
  • IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.
  • See disclosures  for more details.
• Receive a 0.25% rate discount for automatic electronic payment

Who’s eligible?

College graduates who are:

• U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school²
• In repayment or grace on one or more outstanding private or federal student loans
• Able to meet credit qualifications (a cosigner may be necessary for you to meet credit criteria, and may also help you qualify for a lower rate)
• Eligible for Skyward membership (you may apply without being a member of the credit union, but you will need to become a member for the loan to be funded)

Apply online
Or call 844-823-8548

Additional Resources

• FAQs

¹Subject to credit qualification and annual credit review. Must meet school’s Satisfactory Academic Progress (SAP) requirements.
²Approved schools subject to change.