Student Lending

Managing your student loans can be confusing and costly. If you’re looking for private lending options, we may have just what you need.

Still a Student?

While attending a secondary or private school, college or trade school, an education line of credit helps you manage common expenses such as tuition, books and room and board.

Education Line of Credit

Take advantage of this open-end, variable-rate loan with terms up to 120 months and amounts up to $40,000.¹

Who’s eligible?

  • Credit Union members
  • U.S. citizens or permanent residents who are paying education expenses for themselves or family members.

Apply for Membership or Loan

For a quicker application process, log in to online banking, click “Apply Now”, select "Personal Loan" and then choose a "Line of Credit" loan type.

No Longer a Student?

After graduating, you can refinance or consolidate your existing private and federal student loans into one manageable, convenient loan payment and a potentially lower rate.²

Student Loan Refinance

Refinance your private or federal student loans, including PLUS loans, for up to $125,000.³ Take advantage of our competitive interest rate and no origination fees. For more information and helpful loan tools, visit Student Choice. You can also receive a 0.25% APR rate discount for automatic electronic payment.

Who’s eligible?

College graduates who are:
  • Credit Union members
  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school
  • In repayment or grace on one or more outstanding private or federal student loans
  • Able to meet minimum credit and income qualifications. (A cosigner may assist meeting some credit and program requirements and may also help qualify for a lower rate.)

Before you apply, keep in mind that when refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates or some cancellation benefits that can significantly reduce the cost of repaying your loans.

Learn more about refinancing student loans

Apply Now

Still a Student?

While attending a secondary or private school, college or trade school, an education line of credit helps you manage common expenses such as tuition, books and room and board.

Education Line of Credit

Take advantage of this open-end, variable-rate loan with terms up to 120 months and amounts up to $40,000.¹

Who’s eligible?

  • Credit Union members
  • U.S. citizens or permanent residents who are paying education expenses for themselves or family members.

Apply for Membership or Loan

For a quicker application process, log in to online banking, click “Apply Now”, select "Personal Loan" and then choose a "Line of Credit" loan type.

No Longer a Student?

After graduating, you can refinance or consolidate your existing private and federal student loans into one manageable, convenient loan payment and a potentially lower rate.²

Student Loan Refinance

Refinance your private or federal student loans, including PLUS loans, for up to $125,000.³ Take advantage of our competitive interest rate and no origination fees. For more information and helpful loan tools, visit Student Choice. You can also receive a 0.25% APR rate discount for automatic electronic payment.

Who’s eligible?

College graduates who are:
  • Credit Union members
  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school
  • In repayment or grace on one or more outstanding private or federal student loans
  • Able to meet minimum credit and income qualifications. (A cosigner may assist meeting some credit and program requirements and may also help qualify for a lower rate.)

Before you apply, keep in mind that when refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates or some cancellation benefits that can significantly reduce the cost of repaying your loans.

Learn more about refinancing student loans

Apply Now

EDUCATION

College kids have a lot to think about, and surely one of the things weighing on their minds is finances. For a lot of them, college is the first time they’ll be (mostly) financially independent. That freedom could inevitably lead to opening credit card accounts. And while that’s fine if they’re ready, some kids would be helped by doing research first. Here are some questions all college kids should ask before applying for a card.

Read more on credit card education

Pay Off Student Loans Faster

National student loan debt has hit $1.26 trillion and impacts about 44.2 million Americans.

More on student loan debt tips

Visit Our Blog

Mobile & Digital Services

We understand your on-the-go account access needs.

Mobile Apps

Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!

GET THE APPS¹

Download from the Apple Store

Download from Google Play

  • Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
¹Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.

Digital Wallet

Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.

Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa and Visa Checkout are registered trademarks of Visa International Service Association.

Financial Management Tools

Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:

  •  Personal Finance Manager and Credit Monitoring.
Learn More

¹ Minimum payment will never be less than $13.00 per month per $1,000.00 or any part thereof. Rate and actual credit limit is based on applicant’s creditworthiness and underwriting criteria. Ask the Credit Union for details. Unless otherwise noted, the Annual Percentage Rate (APR) for variable rate loans will be based on the Prime Rate as published in the Wall Street Journal (Index) as of the day of the advance, plus a margin. Rate changes based on changes in the Index will take effect on the next business day after the Index change is published. The APR on existing balances for Education Line of Credit loan advances will change quarterly on the first day of January, April, July and October to reflect any change in the Index in effect on the last day of the previous quarter. Click here for interest rates.

² Subject to credit qualification and additional criteria, including graduating from an approved school.

³ Student loans and underwriting is made available through American Airlines Credit Union. Application processing provided by Student Choice and loan servicing and repayment programs provided by University Accounting Service, LLC.

If your loan is subject to a floor rate (also known as a minimum interest rate) as specified in your promissory note, your rate will never be less than the floor rate.

‡Approved schools are subject to change.