Visions Federal Credit Union

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Student Choice Student Loan

A Better Way to Pay for College

Why Use Our Private Student Loan Solution?

Benefits of Visions Federal Credit Union’s Student Choice private loan solution:

  • Zero origination or prepayment fees
  • Low interest rates
  • Option to defer all payments while in school
  • Convenient line-of-credit that helps you secure financing for your entire undergraduate career*
  • Flexible repayment terms

With low rates and fewer fees, you could save hundreds of dollars a year by choosing your credit union's loan over other "alternative lenders."

The Student Choice Loan is a great option for students looking for effective ways to pay for college.

What is the Student Choice Student Loan?

The Student Choice Student Loan is a private student loan created for college students to fill the gap in financial aid that is left between the Cost of Attendance (COA) and the Federal loans/aid you've received.

Private loans, like The Student Choice Loan, are not offered through the federal government, so it's important to look for a loan program from an institution you trust, like your credit union's Student Choice solution. This can make a big difference.

Private student loans are in the name of the student but often require a co-signer. They are not guaranteed or subsidized by the government. Instead, they are based on the credit score of the student and/or the credit score of any co-signer they have on the loan.

What to Look for in Student Loans Like This

Look for a loan with zero origination and other additional fees, low interest rates, flexible deferment and repayment options, and an easy application process. You'll also want to make sure that the loan is certified through the school - which means the school verifies the amount you need to borrow to prevent you from borrowing too much or too little.

Funds should be given directly to the school and any difference back to the borrower for books, transportation, technology and other necessities.

Who is eligible for this student loan?

Undergraduate students enrolled at least half-time in a four-year degree-granting program at a public or private non-profit school. Nearly 2,000 schools and campuses across the U.S. are eligible. (Visit our website for more details.) If you are not already a member of the credit union, you will need to be eligible for membership.

*Subject to credit qualification and annual credit review. Students must also meet the school’s Satisfactory Academic Progress (SAP) requirements.

How much money can I borrow with this loan?

Once approved, students can borrow up to the school’s calculated cost of attendance less other financial aid received. The exact amount will be certified by the school. The aggregate maximum (total amount you can borrow throughout your college career) is $30,000.

How quickly are the funds disbursed?

Funds are disbursed directly to the school by Visions Federal Credit Union on the date the school requests payment. Any excess funds beyond what is needed by the school will be disbursed to the student by the school.

How to Apply for the Student Choice Loan?

Visit our Student Choice website at

You may also contact our Student Loan call center 24/7 by calling (800) 369-1375.

Have Questions?

Go online and check out our student website to learn more about your options, how to shop wisely for a student loan, compare multiple offers you may have received.

Need to speak with a student lending representative?

Give us a call 24/7 at (800) 369-1375