Why Choose Us?

We offer the lowest cost loans on campus!

Federal Stafford Loan	Federal PLUS Loan for Graduate Students	Federal PLUS Loan
Rates as low as 6.30%* Pay NO ORIGINATION FEES! Pay NO DEFAULT FEES! Save 0.50% on your rate! Our members save over $224*	Rates as low as 7.75%* Pay NO DEFAULT FEES! Save 0.75% on your rate! 1% Rebate! Our members save over $2,134*	Rates as low as 7.75%* Pay NO DEFAULT FEES! Save 0.75% on your rate! NO PREPAYMENT PENALTY Our members save over $1,750*
Apply Now!	Apply Now!	Apply Now!

See our Borrower Benefits details here.

*The Fixed interest rate of 6.8 percent is for loans disbursed between July 1, 2006 and June 30, 2008. Interest rates for loans disbursed on or after July 1, 2008 will be determined on July 1, 2008. Above stated interest rates are associated with loans that have a first disbursement occurring on or after Febraury 1, 2008. Stafford loan origination fees are paid by USC Credit Union on behalf of the borrower. USC Credit Union charges no Federal Default Fees on any federal loan program: Stafford, PLUS or Graduate PLUS. Stafford savings assume a $5,000 unsubsidized loan with a 10-year repayment versus a standard Stafford loan with no repayment benefits. PLUS and Graduate PLUS Loan borrowers are charged a 3% origination fee. PLUS and Graduate PLUS savings assume a $20,000 loan amount with a 10-year repayment versus a standard PLUS with no repayment benefits. Graduate PLUS borrowers are assumed to defer payments for 4 years.

Due to recent legislative changes through the College Cost Reduction and Access Act (“CCRAA”) enacted on loans first disbursed on or after October 1, 2007, USC Credit Union’s student loan borrower benefits have changed for loans first disbursed on or after February 1, 2008. For details on borrower benefits on loans disbursed on or before January 31, 2008, click here. The CCRAA has impacted all federal student loan lenders and USC Credit Union continues to offer the most competitive borrower benefits possible. If you have any questions, please call us at 877.670.5860.