Fill the funding gap when scholarships, grants and federal loans have been exhausted. Discover the benefits:
Variable rates as low as 5.50% APR1.
In-School Loan Deferment
No loan payments until 6 months after graduation.
Line of Credit
Multi-year approval, only apply once to borrow up to $75,000 for Undergraduate education.
No application, no origination and
no pre-payment penalty fee.
- Eligible for credit union membership
- U.S. citizens or permanent residents
- Before applying, make sure to check that your school is included in our listing of approved schools
- Continually enrolled in a degree-granting program and meeting the school's minimum SAP criteria.
Submit the required documentation once your line of credit has been conditionally approved.
Your loan request is sent to your school's financial aid office to verify enrollment and requested loan amount.
Once certified, you're all set! Payment is sent directly to your school through their preferred payment method.
Find answers to the most commonly asked questions.Learn More
Resources to help you succeed in college and beyond.Get Started
Contact UsTo learn more, talk to a student loan specialist.
Loans are subject to approval. Rates, terms and conditions subject to change without notice.
APR = Annual Percentage Rate
1Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between +1.00% and +8.00% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.
Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.