Student Loans

Student Loans

Get the help you need to pay for college or refinance your current loans.

No hidden fees. Competitive bank-beating rates. Easy online application. That’s just the short list of benefits built into USC Credit Union’s innovative private student lending solutions. Fill funding gaps between tuition and other educational expenses, refinance private student loans, or pursue a professional certificate – whatever your goal, ours is to ensure you focus on your education, not the cost.

Benefits at a glance:

  • Financing for undergraduate or graduate students
  • Complete one simple online application
  • Pay no application or pre-payment fees
  • Get competitive, bank-beating rates
  • Cover the unexpected with optional Peace of Mind Protection
  • Choose from a variety of flexible payment options

Student Loan Refinance

Refi now. Pocket thousands in savings.

Why risk losing money to rising rates when you have the potential to save thousands right at your fingertips?1

  • Refinance or consolidate your federal or private student loans
  • Low fixed or variable rates

APR is accurate as of 7.22.2024

Rates as low as:

5.96% Variable
5.49% Fixed

View Rates for student loan refinancing

Certificate Program Loan

Further your education and your career

Pursuing a professional certificate can be expensive. Our Certificate Program Loan is designed to help educators enrolled in one of USC’s Rossier School of Education Professional Development programs.

  • Specialized loan program
  • Loan amounts up to $10,000

APR is accurate as of 7.22.2024

Rates as low as:

5.90% Fixed

View Rates for certificate program loans

In-School Student Loans

Affordable funding for your entire academic career

Fill funding gaps in lower-cost sources of aid with our innovative Student Choice private lending solutions. Fund your entire undergrad or graduate career with just one application.

  • Unique line of credit loan
  • Low fixed or variable rates

They offer the best rates on student loans for refinancing and their support center is always extremely helpful whenever I call with questions or issues.


  • Student Credit Cards

    Students, this one’s for you. Establish your financial independence. Build a strong credit history. Even get rewarded for everyday purchases.

  • Student Checking Accounts

    What’s the best checking account for students? The one that’s not from a bank but has access to your account on or off campus. Enjoy little to no fees, Mobile Banking, virtual wallet and more.

Let’s talk student loans.

Need help deciding on the best lending option for your needs? Talk to a member relationship specialist.

1Federal student loan payments and interest are set to resume no later than June 30, 2023, pending the outcome of legal challenges to the Biden Administration’s proposed federal student loan debt cancellation measures. For details on these measures, which are strictly tied to federal student loans and have no impact on private student loans, visit Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.