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

Apply now, borrow later. We know that determining your fall college funding needs may be a challenge. Don’t worry – with our private education line of credit, we’ve got you covered. Even if you’re unsure of the college you’ll be attending or the exact loan amount you may need, you can establish your private education line of credit today. Then, once your plans have been finalized, you can come back to request the exact funding you need. Find a loan.

 

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RESOURCE HUB:

With information ranging from college planning during the pandemic to advice on negotiating with a college for more financial aid, our hub is full of helpful, relevant information. Learn more.

PERSONALIZED SUPPORT:

A College Access & Repayment Counselor can provide personal, one-on-one consultation for all of your financial aid questions. Whether you’re a parent, high school student, or college graduate entering loan repayment, we can walk you through the necessary steps to make smart decisions about paying for college – and beyond. Email us or set up an appointment.

  • Undergraduate Loans

    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 open new link
    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

    1Subject to qualification and annual credit review.

  • Business Graduate (MBA) Loans

    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 open new link 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  open new link , 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  open new link
    • Low interest rates open new link
    • 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 open new link  
    • 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

    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.

  • Refinance Your Current Student Loan

    Student Loan Refinance

    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  open new link 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 open new link  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

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

University Accounting Service (UAS) is the loan servicer for your Student Choice loan account.
To view your current account balance and make a payment, click here to visit the UAS website.
 
For loan payments sent via mail, please send to:
University Accounting Service
P.O. Box 5879
Carol Stream, IL 60197-5879
 
If you have additional questions or need further assistance, contact UAS directly by calling 877-530-9782.