• Collegiate Choice®
    Student Loan Rates as low as 4.38% APR* (Variable)/ 5.65% APR* (Fixed)

A Private Education Loan Just for Students

Your financial aid package may not cover the entire cost of your undergraduate or graduate education. Fortunately, as a Trojan Family member, you can fill in the gap with an affordable Collegiate Choice® loan exclusively from USC Credit Union. Compare our current rates and you’ll see why members look to us first.

What We Offer

No Hidden Fees

No late payment, app, origination, or pre-payment fees.

Pay Past Due Balances

Settle balances from the previous academic year.

Multiple Payment Options

Choose deferred, interest-only, or immediate payments.

Quick Application Process

Apply online and get a decision in as little as 15 minutes.

Lower Your Rate

Receive a 0.25% rate discount by enrolling in AutoPay.

24/7 Account Access

Access your loan status any time from your phone, laptop, or tablet.

I love banking with USCCU vs the Big Banks. Everything's much easier and they're much more personal vs big banks who make you feel like just a number. I've dealt with credit unions before but USCCU is truly one of a kind! Great service and better rates!

Rex V.

Yelp Review (1/21/2015)

USC Credit Union is always looking out for your best interests. The staff is always professional, friendly and efficient. I love banking with USC Credit Union!

Tanisha S.

Yelp Review (3/16/2015)

I opened my first account with USC Credit Union in 1998 as a freshman; and have been extremely satisfied with their professionalism and efficiency. I love USCCU and have not had a better experience with any other bank. Fight On!

Rosalinda O.

Yelp Review (4/3/2015)

Learn the Basics

How We Compare

Loan Provider Loan Name Lowest Rate Highest Rate Term Options (Years)
USC Credit Union Collegiate Choice® 4.38% 11.77% 10, 15
Wells Fargo Private Student Loan 4.81% 11.26% 15
Sallie Mae Smart Option® 4.37% 11.85% 5, 10 or 15
US Dept. of Education Parent PLUS Loan 7.60% 7.60% 10-25
»Private Student Loan Rates collected from competitor sites and data on 12/27/2018. For illustration purposes only. Subject to change.

Features and Benefits

When it comes to providing bank-beating rates, we deliver. We pride ourselves on our exceptional service without the hidden fees and gimmicks of all those big banks. We do so with the Trojan family in mind because at USC Credit Union you are more than a customer—you're family.

Key Benefits include:
  • Bank-Beating Rates as low as 3.95% APR*
  • NO late payment, application, origination, or pre-payment fees.
  • 3 Easy Payment Options
  • Borrow up to $35,000 annually
  • A 0.25% interest rate discount with AutoPay enrollment
  • Fast Application Process

Am I eligible?

To be eligible for a the Collegiate Choice® loan, you must meet the following requirements.

Borrower Eligibility:
  • Must be 18 or older
  • Be admitted or enrolled at least half-time at an eligible 4 year college or university
  • Be a U.S. citizen or permanent resident; or
  • Have a cosigner that is either a U.S. citizen or permanent resident

Note: Most students require a cosigner to meet minimum credit score and income requirements.

Fast Application Process.

Complete your application in less than 15 minutes and be on your way to savings. Be sure to review the application checklist before applying.

Get the funds you need in just 4 easy steps:
  1. Apply online in just a few minutes
  2. Consider adding a cosigner
  1. Sign your loan documents
  2. Accept your terms and you're done!

Add a Cosigner. Get a Lower Rate!

Most students do not meet our minimum credit history, income and credit score requirements on their own. A co-signer’s income and credit score can help strengthen your loan request, and may even lead to securing a lower rate. Rates are based in part on credit score, so if your co-signer has a better credit score we will use their score to establish the rate on your loan. And, after 36 consecutive on-time monthly payments, you will have the option to release the co-signer from your loan.

Steps for Cosigners

Ready to Apply?

We are happy to service your student lending needs. Let our team of professionals guide you through the application
process or go straight to the application and be on your way to reaching your educational dreams.

Contact Us or Apply Now
© 2019. USC Credit Union. All rights reserved. Federally Insured by NCUA.

Terms and Conditions:
Membership is required. All membership accounts are subject to an approval process. You will be required to review the Application Truth in Lending Disclosure prior to submitting an application. Your school’s financial aid office will certify your approved loan amount based upon your eligibility. The minimum loan amount is $1,000.

*Annual Percentage Rate (APR) is effective 1/1/2019-3/31/2019. Variable rates from 4.38% - 10.25% APR (with autopay) and fixed rates from 5.65% - 11.52% APR (with autopay). Your interest rate will be determined by your credit score or your cosigner’s. The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 4.38% accrues $1,153.10 in interest during 4 years in school and the 6-month grace period. Sample monthly payment would be 60 payments of $208.59. Variable rates are subject to increase or decrease. Borrowing $10,000 at 5.65% accrues $1,502.28 in interest during 4 years in school and the 6-month grace period. Sample monthly payment would be 60 payments of $221.84. For illustration purposes only. The APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR.

AutoPay Discount: To be eligible for the rate discount, you must be signed up for automatic payments. Automatic payments must be initiated through University Accounting Services. If at any time automatic payments stop or the loan is not in repayment status, the rate discount will not be applied.

2Your school’s financial aid office will certify your approved loan amount based upon your eligibility.

For further information on rates and costs, see the Application Truth in Lending Disclosure. This information is current as of January 2, 2019 and is subject to change. USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.

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