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Student Loans

Student Loans

A better way to pay for college – DCU can help fill federal student loan gaps.

At a Glance

As a not-for-profit credit union, our focus is on people, not profits. That means lower rates and convenient repayment structures to help you responsibly manage paying for college.

Benefits

Fills the gap - that federal student loans may leave behind.
Lower loan rates - than most private student loan programs.
Unique line of credit structure - so you can borrow once for your full undergraduate or graduate career.*
AS LOW AS
5.00% APR
RATING
3.5 3.5 / 5 stars

MAXIMUM AMOUNT UNDERGRADUATE

$75,000

MAXIMUM AMOUNT GRADUATE

$100,000
*Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements. 

Student Loans - Undergraduate and Graduate Rates - Fixed:

No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan.

APR¹ APR¹
between 6.00% and 10.25%
APR¹ APR¹
between 6.00% and 10.25%

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-borrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

Student Loans - Undergraduate and Graduate Rates - Variable:

No application fees and no prepayment penalties. The Annual Percentage Rate (APR)¹ for our undergraduate and graduate private education line of credit is variable and is based on the Prime index² plus a margin.³

Terms Terms APR¹ APR¹
As low as Prime + .75% between 5.00% and 9.25%
Terms Terms APR¹ APR¹
As low as Prime + .75% between 5.00% and 9.25%

Rates are effective {currentdate}.

¹The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.    

²The "Index" for the quarter beginning April 1, 2021 is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of March 2021.

³Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

Plan for Your Student Loan

Choose from our easy to use calculators to help manage your student loan.

What Our Members Are Saying

Student Loan

RATINGS 5 5 / 5 stars

This is an excellent product, streamlined approval process, minimal paperwork and disbursement was handled flawlessly.

GolfGuy3231 - Webster, MA

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Convenient

RATINGS 5 5 / 5 stars

DCU’s Student Loan has been very helpful in filling the gaps between federally funded student loans and paying full tuition. It gives my son the ability to create a credit footprint and the responsibility of paying back his own loans.

ksbstn77 - Tyngsborough, MA

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Great Rate

RATINGS 5 5 / 5 stars

The fixed rate I got at DCU was the lowest I could find from private lenders banks and government loans.

Forever Student - Albany, NY

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