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What Can DCU Save You?

DCU Private Student Lending Solutions

A better way to pay for college



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Education Funding

DCU Private Student Lending Solutions

  • Fills the gap that federal student loans may leave behind
  • Reasonable rates and terms
  • Available for undergraduate and MBA programs
  • NEW Student Loan Refinance Program

Please refer to Details and Rates tabs for additional information and important disclosures.

"Great Customer Service"

Open quote Very welcoming, understanding and helpful. I am very satisfied I came in to the branch to ask about student loans. Close quote

— Peter, Lowell, MA

Private Student Lending Details

DCU offers private student lending solutions to help you fill the funding gaps that federal aid can leave behind. By partnering with other credit unions to form Credit Union Student Choice, we are able to offer members maintaining sufficient academic progress lower cost financing options that will help you or a family member achieve your dream of a higher education.

It offers...

  • Lower loan rates than most private student loan programs
  • More flexible repayment options
  • A convenient line-of-credit that can be used over multiple years.*

To learn more and apply

To learn more, apply, or to try our college planning calculators, visit the DCU Student Lending Center.

To see if your school is eligible, use the Eligible School Locator Tool.

You can also find out more about this product by calling the CU Student Loan call center at 800.324.1589.

*Subject to credit qualification and annual credit review.

DCU Private Student Lending Solutions

No application fees and no prepayment penalties.

Terms / Features Our Best Rate*
Rate Index Annual Percentage Rate
As low as Prime** plus 2.50% 7.00%

Rates are effective .

*All rates are determined by your personal credit history and payment method. Our Best Rates are for members with the best credit. Other rates may apply.

**The Prime or Index rate is variable and will adjust quarterly (January, April, July, October) on the first of the month using the Prime Rate as published in the Money section of the Wall Street Journal on the first business day of the preceding month. The minimum APR is 6.00%. The maximum APR is 18.00%.

APR = Annual Percentage Rate.


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"Student Loan"

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

— GolfGuy3231, Webster, MA

Easy Ways To Apply For A Student Lending Loan

  1. Student Lending Center – Learn more, apply, or try our college planning calculators.

"Easy To Apply"

Open quote Quick processing and easy payment options and online access. Close quote

— Jamie, Hooksett, NH

Related Links

  • NEW Student Loan Refinance Program – Refinance and consolidate your private and federal student loans into one manageable loan, setting up one convenient payment!
  • StreetWise Parents' Guide – Provides information on preparing your child for college and other related topics.
  • StreetWise IRA Guide – Provides general information explaining how Individual Retirement Accounts and Coverdell Education Savings Accounts work and what your options are.
  • DCU Scholarship Program – Each year, graduating high school seniors can apply for scholarships awarded by DCU.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.
  • How to Make Your Loan Payment – We make it easy to make your loan payment. Find out more about our convenient payment options.