ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

Due to inclement weather, the Greece Branch has lost power and will be closed until power is restored. RG&E is estimating this to be around 3:30. We are sorry for this inconvenience.  

The Penfield branch parking lot will have limited access due to sealing beginning Saturday, June 1 at 1:00 pm. It will be fully reopened the morning of Monday, June 3.

Student Loans

Find Student Loans for You

Family First can help finance your current education or consolidate your prior education loans! In partnership with LendKey, we offer low cost Private Student Loans* that are designed to meet your education needs without breaking the bank. 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

loan application

Competitive Interest Rates


30 Day No-Fee Return Policy

money pile

Our Student Loan Offering

While 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.

Follow these 4 Easy Steps:

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

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!

* 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

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