Undergraduate Student Loans

Graduation goals? Check. Debt drama? Nope. A private student loan is your smooth sailing to diploma day.

Skip the side hustle: invest in your education and yourself

One and done

No need to reapply every year. Just request what you need each year, up to your maximum amount, and we’ll send the money directly to your school.1

Flexible line of credit

Instead of getting the whole amount at once (and paying interest on all of it), our line of credit lets you borrow just what you need, when you need it.

Your choice of payment terms

Pay interest only or defer payments until after graduation—or pay your loan off anytime with no penalties. Enroll in autopay for 0.25% off your rate.2


Who can apply for a private student loan?

To apply for an undergraduate student loan, you must be:

  • A U.S. citizen or permanent resident
  • A student at one of our approved schools (be sure to check our list before applying)
  • Continually enrolled in a degree-granting program and meeting the school’s minimum Satisfactory Academic Progress (SAP) criteria
  • Able to meet our standard credit criteria (with a cosigner if necessary)
  • Eligible for Georgia’s Own membership (you can apply before becoming a member of the Credit Union, but you’ll need to become a member in order for the loan to be funded)

Visit our Student Loan Center for all the details.


It's easy to apply

Getting approved for a private student loan can take up to six weeks. Here’s how it works:

  1. You send in your application.
  2. You send your documents. You can securely upload, mail, or fax them. We’ll let you know exactly what we need.
  3. We get your loan certified. We contact your school’s financial aid office so they can certify your loan.
  4. We send the money. We transfer the money directly to your school.

Don’t worry—we’ll send you email updates throughout the process, so you always know what’s going on. If you need help, we have counselors available.

Private Student Loan FAQs

Yes, you can still apply for a student loan if you don’t have any income. However, you will need a cosigner—a close family member, parent, or friend who agrees to pay back the loan if you’re not able to.

No, you don’t have to go to college in Georgia to get a private student loan through us. In fact, we have a list of nearly 2,000 approved undergraduate and graduate schools across the country that are eligible.

No. For undergraduate and graduate student loans, the money from your loan is sent directly to your school to pay for tuition, fees, and room and board.

If you’re refinancing a student loan, then the money goes directly to your original lender to pay off your previous loan.

Unsubsidized loans are available to undergraduate and graduate students—but, unlike subsidized loans, students don’t need to show financial need. Your school decides how much you can borrow, and you’re responsible for paying the interest during all periods.

Explore our other loans and lines of credit

Student Loans

Graduate Student Loans

From textbooks to boardrooms, our graduate student loans have your back (and your wallet). With great rates and flexible repayment terms, you’re set up for success.

Student Loans

Student Loan Refinancing

Student loans feeling like a bad date? Break up with high rates and simplify your finances. Refinancing can lower your monthly payment and save you money in the long run.


Home Equity Loans & Lines of Credit

With a home equity loan or line of credit, your house can be used as collateral to borrow the money you need to take those next big steps.


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1Subject to credit qualification and annual credit review. Must meet school’s Satisfactory Academic Progress (SAP) requirements. Approved schools subject to change without notification.

2The APR will not fall below the floor rate regardless of the index or any additional rate discount.