Private Student Loans

Family First can help finance your current education, or consolidate your prior education loans!

CU Scholar for Current Students:
Family First, in partnership with LendKey has low cost student loans that are designed to meet your education needs*. Borrow as little as $2,000 up to the amount of attendance per academic year for a maximum of $120,000 in undergraduate loans and $160,000 in graduate loans.

  • No Origination Fees for all student borrowers
  • Competitive Interest Rates
  • 30-Day No-Fee Return Policy allows you to cancel the loan

It can be used to pay for qualified education expenses including tuition, room & board, books, and computers.

Although we ask that you do make a modest monthly payment ($25 minimum) while in school, full interest and principal payments are deferred until 6 months after graduation and the repayment period is up to 10 years. The benefit of making even small payments while still in school is that it helps build credit early and can set you up for a higher, more established credit score than your peers who deferred all payments while in school.

Get Started

  1. Apply online here 
  2. Complete the loan application
  3. Get quick pre-approval
  4. Send in supporting documents
  5. Funds dispersed directly to school

CU Grad for consolidating your student loans:
Family First, in partnership with Lendkey, can help you refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt.

  • Simplify your finances with one easy payment
  • Choose between paying interest only for the first 4 years of repayment or standard level repayment for the whole term
  • Quick pre-approval once we receive your completed application
  • Lower payments and competitive rates are possible with an extended repayment term

Follow the instructions above to apply for a CU Grad student loan!

Student Loan Q&A

Q: Am I Eligible for a CU Scholar Loan?
A: Borrower must be a credit union member, as well as:

  • US citizen or permanent resident
  • Enrolled at least half-time in an eligible school
  • Meet minimum credit requirements

Q: What is the importance of a Cosigner?
A: Applying with a creditworthy cosigner not only increases your chance of approval, but also may lead to a lower loan rate

Q: What are some tips to keep in mind?
Remember to:

  • Exhaust all federal loans
  • Get started early
  • Only request the amount you need for the current academic period

* Private student loans should be used as supplemental funding after exhausting all other sources of financial aid, including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit