Student Loans

Funding your education, with our help.

College is expensive but we can help with Extra Credit, our student line of credit. You can use Extra Credit to pay for tuition, books, room and board, and other education-related expenses. 

Start your application and apply online today!

Apply Now Online! Other Ways to Apply

Secured Extra Credit

  • Interest rates competitive with Stafford loans.
  • Required collateral on this line.
  • Requires both the student and parents/legal guardians to jointly sign.

Learn More

Unsecured Extra Credit

  • Interest rates competitive with Stafford loans
  • No collateral needed
  • A processing fee of $125 applies

Learn More

Additional Features

These lines of credit are designed specifically for students, with your education in mind.

Get What You Need!

We’ll help you save by knowing what you need

  • Save by borrowing, only take what you need when you need it
  • Only pay interest on what you borrow
  • During the draw period, all you have to pay are quarterly interest payments.
  • Additional payments can be made at any time with no prepayment penalty

Convenient for Students On the Go

College life can be busy. Don’t wait for a branch, take your money when you need it.

  • Access your funds 24/7, by writing a line of credit check, using telephone banking or online banking.
  • Flexible funding that can be made payable directly to the educational institution or deposited to your account to better fit your needs.

Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office



We have a variety of calculators available for you.




Learn, explore, and stay up to date with the latest news and articles.



Check the latest rates for all our products!