No annual fees. No foreign transaction fees. More “yes” answers. Apply for a USC Credit Union Mastercard® credit card today.
Why finance with us? Simple: We’re a credit union with no shareholder interests to cater to. The upshot: Bank-beating auto loan rates on cars, trucks, motorcycles, RVs, and more.
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
Managing student loan debt can sometimes feel like an uphill battle. But the truth is, a smart budget, personalized to your income and other expenses, can be your greatest asset in paying off your student loans while maintaining your quality of life. In this guide, we walk you through the steps to create your own budget that works for you and your goals.
When delving into the world of private student loans, you may discover that many lenders mention a “co-borrower.” A co-borrower is someone who applies for the loan with you and is equally responsible for ensuring it is repaid. A private student loan will be held in your name as the primary borrower, but the co-borrower’s name and credit will be tied to the loan as well.
On June 30, the Supreme Court struck down Biden's one-time student loan debt forgiveness plan, which was set to forgive up to $20,000 for 26 million borrowers. So, what's next? Read this blog post to review the latest updates.
Most federal student loan payments and interest have been suspended since March 2020. After numerous extensions, student loan interest will resume on September 1, 2023, and payments will resume starting in October.
Let’s face it – no one is accepted to college and thinks, “I can’t wait to pay my tuition bill!” College is a big investment, which is why it’s important to know your options, plan ahead, and choose wisely when paying for it. Remember: filling out the Free Application for Federal Student Aid (FAFSA) is the first step to securing any financial aid! Follow the “free, cheap, gap” method to responsibly pay for college, and set yourself for a strong financial future down the road.
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Some college students graduate with honors. But a lot more graduate with debts. In this ebook we cover the lingo surrounding student loans, explain the importance of choosing the right lender, and how important it is to seek federal aid and scholarships first!
Don’t let student debt hold you back from the finer things in life. In this ebook we cover the pitfalls of student debt, explore if refinancing is right for you, show you how much you can potentially save, and more!
Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.
1APR = Annual Percentage Rate. All rates and programs are valid as of 12.1.2023, subject to change without prior notice, and subject to credit approval. Rates, terms, and conditions may vary based on creditworthiness and qualifications. Maximum loan term based upon amount financed. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility.
2Terms and conditions may vary based on creditworthiness, amount financed and program qualifications. Estimated monthly payments per $100: 1) 48-month 5.90% APR loan $2.34; 2) 24-month 5.90% APR loan $4.43. All credit union loan programs, rates, terms and conditions are subject to change without notice.
The School Business Management Certificate Program Loan has an initial 12-month deferment period, followed by an up to 48-month repayment term. Interest will accrue during the 12-month deferment period.
The Reading and Literacy Added Authorization Loan has an initial 10-month deferment period, followed by an up to 24-month repayment term. Interest will accrue during the 10-month deferment period.
The Differentiated Curriculum Loan has an initial 9-month deferment period, followed by an up to 24-month repayment term. Interest will accrue during the 9-month deferment period.
The School Leadership Academy Loan has an initial 15-month deferment period, followed by an up to 48-month repayment term. Interest will accrue during the 15-month deferment period.