We are not currently accepting loan applications for the upcoming academic year at this time. Please send an email to customer.care@custudentloans.org, and we will let you know when the application is available.

Student Benefits

  • No Origination Fee for all student borrowers.
  • Competitive Interest Rates and with good grades, potential for even lower rates.
  • 1% Interest Rate Reduction once 10% of the loan principal is repaid during the full repayment period.3
  • 0.25% Interest Rate Reduction when you sign up for automatic ACH payments.3, 4
  • Cosigner Release Available for creditworthy borrowers after 24 consecutive on-time full
    principal and interest payments.
    5

Eligibility Requirements

  • Borrower must be enrolled in an eligible school and pursuing a degree program.
  • Borrower must join a participating credit union during the online application process.
  • Borrower and cosigner must be a US Citizen or permanent resident.
  • Students are encouraged to apply with a creditworthy cosigner for a better chance of approval and/or lower interest rate.

1  Annual Interest Rate = Base Rate + Loan Margin. The Base Rate is the average of the 3-Month LIBOR Rate published in the Wall Street Journal on the first business day of the three months immediately preceding each quarterly adjustment. The Loan Margin is between 3.24% to 9.24%
2  APR = Annual Percentage Rate. Rates and terms based on credit criteria and are all subject to change.
Assuming a $10,000 loan amount, a 3.28% APR and the full payments option, you would make 54 monthly payments of $25, while enrolled in school followed by 120 monthly payments of $100.83 to repay this loan. If the APR is 8.74% and the loan amount remains $10,000 you would make 54 monthly payments of $25 while you are enrolled in school followed by 120 monthly payments of $166.86 repay this loan. The APR may be increased after consummation.
3  Subject to 2.99% floor rate.
4  Requires continued enrollment of automatic payments. If the automatic payment is cancelled at any time after enrollment, the rate reduction will discontinue until automatic payment is reinstated. May be suspended during periods of forbearance and deferment.
5  Subject to lender approval. Borrower must meet lender's credit and income requirements.

Note: Travis Credit Union has partnered with cuStudentLoans and Andrews Federal Credit Union to offer the cuScholar Private Student Loan. As part of the application process, you will also become a member of Andrews Federal Credit Union.

Student Benefits

  • No Origination Fee for all student borrowers.
  • Simplify Your Finances with one easy monthly payment.
  • Interest-Only Repayment Option available for the first 4 years followed by 11 years of principal and interest repayment.
  • 0.25% Interest Rate Reduction when you sign up for automatic ACH payments (subject to 3.75% floor rate).3
  • Cosigner Release Available for creditworthy borrowers after 12 consecutive on-time full principal and interest payments.4

Eligibility Requirements

  • Borrower must have graduated from an eligible school.
  • Borrower must have a reliable, steady income of at least $2,000 per month.
  • Borrower and cosigner must be a US Citizen or permanent resident.
  • Borrower must join a participating credit union during the online application process.

1  Annual Interest Rate = Base Rate + Loan Margin. The Base Rate is the average of the 3-Month LIBOR Rate published in the Wall Street Journal on the first business day of the three months immediately preceding each quarterly adjustment. The Loan Margin is between 3.74% to 7.24%
2  APR = Annual Percentage Rate. Rates and terms based on credit criteria and are all subject to change.
Assuming a $10,000 loan amount, a 3.97% APR, and the level repayment option, you would make 180 monthly payments of $73.82 to repay this loan. If the APR is 7.47% and the loan amount remains $10,000, you would make 180 monthly payments of $92.53. The APR may be increased after consummation.
3  Requires continued enrollment of automatic payments. If the automatic payment is cancelled at any time after enrollment, the rate reduction will discontinue until automatic payment is reinstated. May be suspended during periods of forbearance and deferment.
4  Subject to lender approval. Borrower must meet lender's credit and income requirements.

Note: Travis Credit Union has partnered with cuStudentLoans and Andrews Federal Credit Union to offer the cuScholar Private Student Loan. As part of the application process, you will also become a member of Andrews Federal Credit Union.