STEP ONE: Get started by completing the FAFSA (Free Application for Federal Student Aid)
This will determine if you will receive financial aid and provide you with an Estimated Family Contribution amount. To increase your chances of receiving financial aid, apply online as soon after January 1 as possible.
STEP TWO: Apply for scholarships, grants and work-study
Submit the Student Aid Report you receive after completing your FAFSA to the schools you are considering. They will use it to determine the amount of financial aid you will receive.
STEP THREE: Evaluate your Federal Loan Options
- Stafford and PLUS loans for students and parents
- Low-interest federal student loans like the William D. Ford Direct Loan Program
STEP FOUR: Choose a Private Student Loan from Your Community Credit Union
- No Origination Fee for all student borrowers.
- Competitive Interest Rates and with good grades, even lower rates.
- 1% Interest Rate Reduction once 10% of the loan principal is repaid during the full repayment period.
- 30-Day No-Fee Return Policy allows you to cancel the loan within 30 days of disbursement without fees or interest.
- Cosigner Release Available for creditworthy borrowers after 24 consecutive on-time principal + interest payments.
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates
- No origination fees and no prepayment penalty
- Benefits and an interest rate reduction available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists