Low Rates + Flexible Repayment

City & County Student Loans

Affordable financing, personalized support, and a stress-free path to your academic dreams.

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Simplify Your Student Loan Experience

Picture this: you, standing tall in your cap and gown, ready to take on the world.

At City & County, we're here for you with student loans offering competitive rates, flexible repayment terms, no origination fees, and a dedicated team cheering you on every step of the way. 

  • Zero fees: Save money upfront and down the line.
  • Flexible repayment: Pay back your way, on your terms.
  • Easy online application: Get started fast, no hassle.
  • Line of credit up to $75,000*: Cover your entire college journey.
  • Expert guidance: We're here to support your success.

Get Your Questions Answered & Get Started

 

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Free College Counseling

Feeling stuck or overwhelmed with student loan applications or repayment plans? Our free college counselors are real, expert humans here to help. They'll answer your questions, guide you through the process, and help you find the right fit. 

BOOK SESSION

Frequently Asked Questions (FAQs)

Are there any out-of-pocket fees I need to pay when applying for a CCCU student loan?

No, our private education line of credit has no origination or application fees. Plus, there are no prepayment penalties if you decide to pay off your loan early.

Who is eligible for a CCCU undergraduate student loan?

To qualify, you must be a U.S. citizen or permanent resident, meet the age of majority requirements in your state, be enrolled at least half-time in a degree-granting program, and meet our standard underwriting criteria. 

You must also meet City & County Credit Union’s membership eligibility. 

What's the difference between the "line of credit amount" and "loan amount" on the application?

The line of credit amount is the maximum you can borrow based on your school's cost of attendance and your remaining years of study. The loan amount is the specific amount you need to borrow for the upcoming term. You can request additional funds from your line of credit for future terms.

Is a co-borrower required for a CCCU student loan?

While a co-borrower is not mandatory, applying with a creditworthy co-borrower may improve your chances of approval and potentially qualify you for a lower interest rate.

How long does the process take from loan request to disbursement?

During peak season (July-September), please allow 35-40 business days from submitting your completed loan documents. In non-peak times, the process typically takes 10-15 business days. Keep in mind that your school has the final say on disbursement dates and amounts.

Member Testimonial

college student smiling while looking at cellphone
“I established my CCCU account in 2014 as a total newcomer to St. Paul, and it has supported me through so many life phases in the 10 years since! From education and employment to homeownership and now new parenthood, my relationship with CCCU has been a continuous symbol of independence and security.”
Emma R, CCCU Member

Disclaimers

*Subject to qualification and annual credit review.