Student Lending Center
Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you've exhausted lower-cost sources of aid.
Get funding for your entire graduate career with just one application*
Open your line of credit even if you're unsure of the amount you’ll need
A local, not-for-profit credit union with your best interests in mind
In-school deferment and convenient repayment terms available
Interest rates and monthly payments rise and fall according to the Prime index. Learn More
Rate Ranges: 4.44% - 9.24% APR†
Borrow up to $100,000.
Repayment term of 20 or 25 years◊.
Apply for Variable Rate
Your interest rate and monthly payment will remain the same for the life of your loan. Learn More
Rate Ranges: 4.44% - 9.24% APR
Apply for Fixed Rate
Important Disclosures and Rate Details
You can potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during full repayment**
If you are left with funding gaps to cover college costs, you might be considering Federal Direct PLUS or private student loans. There are some key differences between the two – learn more in our side-by-side comparison chart.
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To be eligible for our private education line of credit, you must be enrolled in a degree-granting program at an approved school‡ and a member of Metro Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded. Be sure to review all eligibility requirements.
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* Subject to annual review and credit qualification. Must meet school's Satisfactory Academic Progress (SAP) requirements. ** The APR will not fall below the floor rate regardless of the index or any additional rate discount † APR = Annual Percentage Rate ‡ Approved schools subject to change without notice. ◊ The repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000.