Student Loans 888.549.9050

An affordable new Private Student Loan Program sponsored by St. Cloud Federal Credit Union

Affordable Simple To Apply Fast Pre-Approval

You do not have to be a credit union member to apply through our web site.

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EdAccess Private Student Loan

Our low-cost Student Loan is designed
to meet your education needs. (** See bottom of this page.)

• Competitive interest rates and with good grades, get even lower rates.
• 1% interest rate reduction once you repay 10% of the loan.
• 30-day no-fee return policy allows you to cancel the loan if you find a better option.
• Creditworthy student borrowers can apply without a cosigner.
• Zero Origination Fees for all qualified student borrowers.

It can be used to pay for qualified education expenses including:

- Tuition
- Room & board
- Books & computer
- Even past due tuition bills

Full interest and principal payments are deferred until 6 months after graduation, and the repayment period is up to 10 years.

Borrow as little as $2,000 or as much as $30,000 per academic year.

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Get Started Today!

1. Click here to get started now.
2. Complete the loan application
3. Send in supporting documents
4. Get instant pre-approval
5. Receive check within 2 weeks

Check out the College Resource Center

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Student Loan Q&A

Q: Am I eligible for an EdAccess Loan?
A: The borrower must be a Credit Union member, as well as:

* A U.S. citizen or permanent resident
* Enrolled at least half-time in an eligible school
* Meet minimum credit requirements

Q: What is the importance of a Cosigner?
A: Applying with a creditworthy cosigner not only increases your chance of approval, but also may lead to a lower loan interest rate and fewer fees.

Q: What are some tips to keep in mind?
A: Remember to:

* Exhaust all federal loans
* Get started early
* Reduce interest expense
* Only request the amount you need for the current academic period

Check out the College Resource Center

** Private student loans should be used as supplemental funding after exhausting all other sources of financial aid, including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit http://www.fafsa.ed.gov/.