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Private Student Loan Programs

We want to help you achieve your dream degree, so we make financing for college easy! Our private student loans program is an affordable option for members who have exhausted grants, scholarships, and federal loan borrowing resources and are looking for additional gap financing.

Program Overview:

  • Interest rate based off of the prime rate with a floor of 5.00%*
  • No closing costs or origination fee
  • Minimum loan amount is $1,000
  • Maximum annual loan amount of $12,500 for undergraduate student loans and $17,500 for graduate student loans
  • Tuition, books, and room and board expenses disbursed directly to the school
  • Up to twelve (12) years loan repayment terms
  • Co-signer not required if the student is creditworthy and of legal borrowing age
  • Co-signers encouraged, to increase the chance of approval and potentially lower the interest rate
  • Easy and convenient online application, available 24/7
  • Applications for private student loans followed up by representatives from cuLearn, our program partner

*Interest rates are based on creditworthiness of the student and/or co-signer, adjusted quarterly with a ceiling of 15.00%. Rate tiers are prime plus 2.00% with a floor of 5.00%, or prime plus 2.50% with a floor of 5.50%.

Borrower Requirements:

  • Student must be a member of WESTconsin Credit Union
  • Co-signer/grantor must be a member of WESTconsin Credit Union
  • Student must be enrolled at least half-time at an approved school
  • Student must have a minimum of two years residency at borrower's current and most recent prior address
  • Must be creditworthy

Get answers to frequently asked questions about private student loans. Or call 877-519-7506 Monday through Friday 7 a.m.-7 p.m. CST

Read our Private Education Loan Application and Solicitation Disclosure.

WESTconsin Credit Union Notification:

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