Private Student Loan


Let us help with school

If college is part of your dream, SEFCU Private Student Loans can help make it happen.  


full payments are deferred until

6 months after graduation 

Features & Benefits

Convenient for students

  • Borrow $2,000-$50,000 for tuition and room/board
  • While student is enrolled (at least half-time), loan payment will be interest amount due or $35 (whichever is more)
  • Full principal/interest payments start six months after graduation or when student is no longer enrolled
  • We send funds directly to college/university; must be an accredited school
  • Payments are made at the beginning of each semester as long as all requirements are met
school house



What's needed to apply

  • Proof of student maintaining a minimum GPA of 2.0
  • Proof of income
  • Copy of the college or university award letter
  • Copy of tuition bill
  • Self-certification form
  • Enrollment in SEFCU Campus Connect program


Current Rates

Approximate Repayment Term Percent Above Index APR as low as
180 months N/A 9.000%
180 months 3.00% 6.250%


See which is best for you

Private Student Loan

  • Choose a fixed- or variable-rate loan
  • Borrow $2,000 - $50,000
  • Take approximately 180 months to repay


Personal Loan

  • Fixed-rate loan
  • Borrow $500 - $25,000
  • Terms from 12 to 60 months

Learn More

Apply Now

Apply for a SEFCU Private Student Loan today

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Visit a branch near you

Call 800-727-3328


Financial Education



Private Student Loan

Helps students pay for school

Choose a fixed-or variable-rate loan

Borrow $2,000-$50,000

Full repayment begins when you’re out of school


Private Student Loans

More to think about...

* Annual Percentage Rate is fixed. Rate listed assumes credit worthiness. Rates accurate as of January 18, 2022 and subject to change without notice. Published rate is for new SEFCU loans.
** Annual Percentage Rate is variable and is based on the Prime rate published in the Wall Street Journal. The Annual Percentage Rate is subject to change quarterly and will be determined by the Prime Rate 45 days prior to the first day of January, April, July, and October plus a margin.