Visions Federal Credit Union

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.

Student Loans

Make the right choices about how to pay for college.

Student Loans

Tuition, books, housing, food, gas, laptop ... There are plenty of costs that scholarships, grants, and government loans don't cover and most students need help filling the gaps.

We want to help scholars and parents understand all their options and choose those that work best for them. So, we gathered these resources to help guide those decisions.

Mortgages for every stage

What Is the Student Choice Loan?


The Student Choice 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 federal loans or aid.

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 Visions.

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.

Mortgages for every stage

Why Choose Student Choice?


The benefits of the Visions Student Choice Loan include:

  • Zero origination or prepayment fees
  • Low interest rates
  • Option to defer all payments while in school
  • Possible funding through your entire college career
  • Flexible repayment terms
  • Low rates and fewer fees that could save hundreds of dollars a year

A Smart Choice for Any Student

If you're enrolled at least half-time with one of the nearly 2,000 four-year degree-granting campuses across the country, you're eligible for a Student Choice Loan.

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 (the 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 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 do I apply?

Visit our Student Choice Loan portal here or contact a student lending representative at 800.369.1375.

Student Loans