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Student Loans

Have college costs left you a little short? Let SEFCU fill the gap with a Student Loan.

If the thought of paying for college tuition has you running scared, SEFCU's Student loans are an option to help bridge the gap and make the dream of higher education a reality!

Is a SEFCU Student loan right for you?

This loan option fills the funding gap for students that federal loans, financial aid, and scholarships have left behind. Loan funds need to be applied toward tuition and room and board expenses. The college or university must be accredited and listed on SEFCU’s approved university list.

Repayment options

Repayment options include a monthly automatic transfer from a SEFCU account which will also qualify the loan for a quarter-percent rate discount. While the student is enrolled (at least half-time) in school, your loan payment will be the greater of the interest amount due or $35. Full principal and interest payments begin six months after graduation, or when the student is no longer enrolled in school.

What do I need?

  • 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's Campus Connect program

Paying the school

Once you’re approved for the loan and all documents are signed, SEFCU will send the funds directly to the college or university for the approved amount. Payments will be made at the beginning of each semester as long as all the requirements are met.

Loan types

We offer fixed- and variable-rate Student loans with competitive rates. A SEFCU representative can explain the differences and help you select the one that’s right for you. If credit qualified, you can borrow from $2,000 up to $30,000 to achieve the dream of higher education.

Apply for a Student loan today!

  • Apply online 24/7
  • Visit a branch near you 
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328