Student Resources

We’re here to help you build a solid financial foundation.

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  • Consolidation vs. Refinancing Student Loans

    If you have multiple student loans and would like to make life simpler by managing fewer loans, you may want to consolidate them. Or do you want to refinance them? Like many people, you may be stumped at the difference between consolidating and refinancing, and confused about which option is ultimately best for you. Let’s […]

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  • Already have a Student Loan from Sallie Mae?

    If you already have a private student loan from Sallie Mae, visit their website to view the details of your current loan status. However, if you’re looking for a student loan designed specifically for Trojans, USC Credit Union’s Collegiate Choice loan offers even lower competitive rates, exceptional service, and everything you need to build your future […]

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  • Save up to 10% with the Sprint Credit Union Plan

    Being a Credit Union Member gives you access to many exclusive discounts and benefits. It’s just another way we help show our members some love.Program details: Get a 10% discount on select regularly priced Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings each). Business members get a 15% discount on […]

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  • How Can I Minimize the Risk of Identity Theft?

    Take steps to avoid being a victim of identity theft by: Sign your credit cards upon receipt. Only carry cards that you need. Do not carry your Social Security card. Never write your PIN or Social Security number on anything you are going to throw away. Shred documents containing your Social Security number. Do not […]

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  • The Facts on Identity Theft

    Identity theft occurs when someone uses your bank account number, Social Security number, credit card, or other personal information for his or her own ends. Months can go by before the theft has been discovered. The Federal Trade Commission (FTC) has listed the following ways that imposters can get your personal information and take over […]

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  • What To Do If You Become a Victim of “Phishing”

    Know what steps to take if you are a victim of “phishing” or any other form of identity theft: File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime. Contact the fraud departments of any of the three major credit bureaus […]

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  • “Phishing”: What is it and how do I avoid getting hooked by this identity theft bait?

    There is a rapidly growing Internet fraud called “phishing.” Phishing (pronounced “fishing”) is a term that refers to fishing for personal information, such as account numbers, passwords, PINs, credit card account or Social Security numbers online. Phishing is quickly becoming one of the most insidious online identity theft scams where fraudulent email messages (spam) are […]

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  • Tell me more about credit scores and credit reports.

    A credit report is a report that brings together information about an individual’s credit history, such as your total outstanding debt and if you repaid your debt on time. A credit report contains information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. The three […]

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  • What can I do to improve my credit score?

    Pay all bills on time — Just one or two late payment(s) can adversely impact your score. Keep balances low on credit cards and other revolving credit products. Apply for and open new credit accounts only as needed. Review your credit report from the three major credit reporting agencies (Equifax, Experian, and TransUnion) and contact […]

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  • What is considered a good credit score?

    A credit score (ranging from 300 to 850) is the equivalent to a grade on your credit history report. Your credit score is used by lenders and credit card companies to determine the likelihood that you will repay your debt on time. The higher your credit score, the lower the assumed risk to lend you […]

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