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Student Loans

Borrow smart and take advantage of a better way to pay for college with zero origination fees, lower rates and flexible repayment terms.

Whether you are attending college or learning to manage your money after graduation, City & County’s Student Choice Private lending solution can help reduce the stress and cost of higher education.

Private Student Loans

A private student loan gives you another way to fund your education, and our student loans make life easier by only requiring you to apply once for your student loans.

  • Zero origination & prepayment fees
  • Flexible repayment options
  • Easy online application & approval
  • Apply once & get access to a line of credit to fund your college career*
  • Borrow up to $75,000
Apply For Undergraduate Loans
Student Loan Refinance & Consolidation

Refinancing your student loans means you use a new loan to pay off your old loan. This new loan usually has better rates, better terms or lower monthly payments.

  • Zero origination & prepayment fees
  • Low variable and fixed rates
  • Easy online application & approval
  • Refi & Consolidate both federal and private loans
  • Refi & Consolidate up to $75,000
Refinance Your Student Loans
Tips, Tools & Resources

iGrad is a free service for members and helps prospective, current and past students get a better grasp on finances.

You'll find videos, articles, interactive modules, student loan help and career development guides to make sure you're on the best path forward.

Explore Tools & Resources
Manage Account
Manage your account
Student Loan Rates

Find our current student loan rates for undergraduate loans and refinanced student loans.

Student Loan Rates


*Subject to qualification and annual credit review.

If you took out a City & County student loan before June 2016, click here to manage your LendKey or CU Student Loans account.

Funding Your Education

Education can be costly, but there are many ways to help make it more affordable. The first step is to learn about your funding options.

  • Family Contribution
    This consists of money you, your parent(s), and other relatives contribute to your education.
  • Scholarships & Grants
    This is considered "gift aid" and does not require payment. Check back often for new scholarships available to City & County Members.
  • Federal Work-Study Program
    The Federal Work-Study Program provides funds for part-time employment to help needy students finance the costs of postsecondary education. Ask your education institution for complete details.
  • Loans
    The original loan amount, plus interest, must be repaid. School loans are based on one academic year, and students must reapply for these loans every year.

Do I need a student loan?

It depends. There are many factors that influence the final cost of tuition. Talk with your financial aid department at your education institution to review your options. Here are a few things to know before you begin the process:

  • Free Application for Federal Student Aid (FAFSA): More than $150 billion each year is provided to students in the form of grants, loans, and work-study funds for college or career school. Click the link above for more details.
  • Student Aid Report (SAR): This report is created and delivered to you and your school once your FAFSA has been processed.
  • Award Letter: An award letter notifies you of your financial aid award for the upcoming academic year. This award letter may include a preferred lender list, but you have the right to choose a different lending institution, including City & County Credit Union.
  • City & County's Lending Code: 831908
  • Need for Additional Funds: If you still need additional funds after scholarships, grants, and awards, come in to City & County to find solutions to pay for your education.

Tools & Resources

  • Calculators

  • Deposit Rates

  • Loan Rates

  • Forms