Affordable Student Loans We've got your back when it comes to tuition, housing, and other expenses.

Traditional Student Loans

Scholarships, grants and government loans don’t always cover the essentials you need to succeed while you’re in school. Tuition, housing, textbooks, food, gas—these costs quickly add up, especially when your primary focus is earning your degree. That’s why we partnered up with Student Choice so that you can choose from a variety of student loan options* that best fit your needs while you’re in school. While private student loans are in the name of the student, a co-signer is often required. Student loan options are based on the credit score of the student and/or the co-signer. Please be sure to familiarize yourself with your loan options and the fees involved in applying.

  • Competitive interest rates
  • Uses line of credit structure so you can borrow once for your whole educational career
  • Easy payment schedule
  • Flexible repayment terms, including forbearance
  • No pre-payment penalties

Up to $75,000

As low as 6.00%*

*APR = Annual Percentage Rate.

Helping College Dreams Come True  Life has its challenges and its opportunities. Dreams do not need to be deferred because of where you live or where you came from. 121 Financial is a credit union for LIFE.

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Refinance & Consolidate

Do the payments on your student loans feel more like a mortgage? We offer graduates refinancing options on student loans that can combine multiple student loans into one manageable payment with lower interest rates, lower minimums due and even shorter terms.

NOTE: To qualify, you must have attended or graduated from one of 2,000 approved schools. Some for-profit colleges are not eligible for refinancing.

  • Lower your minimum monthly payments
  • Save on long-term interest costs
  • Fixed-rate and variable-rate options
Between 5.00% and 9.75% APR*
Up to $75,000

Meet Our Partner:

Student Choice is a private student lending program created so that college students can fill the gap in financial aid not covered by federal financial aid or loans. Student Choice partners exclusively with credit unions like 121 Financial. By borrowing from your local credit union, you team up with a local cooperative that is focused on the needs of its members like you—not to make money for stakeholders. Unlike student loans offered at banks, 121 Financial’s partnership with Student Choice means that you have access to student loan solutions that feature great rates, an innovative line of credit structure and flexible repayment terms. Learn more at

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