Student Loans

We're here to help you pay for an education. Hit the books and study hard. You're going to rock this!

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K-12 Private Education Loans

Give the kids a great start so they have the tools they need to change the world. 

Interest
As low as K12TuitionLoan APR1
Apply Now More Details

No minimum credit

Term up to 12 months

No fees

No pre-payment penalty

Check payable to the school

Funds can be used to cover tuition and books

Undergraduate Student Loans

It's time to write the next chapter in your life.

Interest
As low as CollegeLoan APR1
Apply NoW2More Details


See list of eligible schools2

$1,000/year minimum credit

Terms

  • 20 years if balance is less than $40,000
  • 25 years if balance is or is greater than $40,000

Line of credit, instead of multiple loans, makes new funding easy

Variable interest rate 

Funds disbursed directly to school at the time(s) the school specifies

Deferment of principal and interest while in school

Flexible repayment terms, including graduated repayment for two years

No origination fee

Line limits:

  • Cost of Attendance (COA) less other financial aid received (as certified by the school)
  • $75,000 maximum over college career

Co-borrower release: After 48 consecutive months of automated, on time payments, co-borrower may request to be released. However, the primary borrower must be credit worthy with the following:

  • 690 minimum FICO
  • $30,000 minimum annual salary ($2,500 monthly gross income)
  • 45% debt-to-income ratio maximum
  • No bankruptcies, judgments, or student loan defaults

1APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective StudentLoansPage and subject to change. Federally insured by the NCUA. 

2Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

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