Our branch locations, contact center, and online account access will be CLOSED Saturday, September 30 – Monday, October 2 during our digital transformation. Learn more at myprospera.com/newtech

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Student Loanstake control

Get a better deal on your student loan interest rates from your local credit union.

Student Choice Loans from Prospera

The cost of college continues to rise, forcing many students and families to resort to high-cost private student loans to fill funding gaps.

We have the unique ability to help members and families by offering our Student Choice private lending solution.

Five college students studying together around a table.

Undergraduate Loans

  • Zero origination fees
  • Low-interest rates
  • Option to defer all payments while in school
  • Convenient line-of-credit that helps you secure financing for your entire undergraduate career¹
  • Flexible repayment terms
Apply Now

Or call 877-611-1788 for assistance.

Female student in campus with books in her arms and bag on shoulder.

Refinance Student Loans

  • Refinance your private and/or federal student loans, including PLUS loans, up to $50,000
  • Receive a 0.25% rate discount for automatic electronic repayment
Refinance Now

Or call 877-250-3592 for assistance.

When federal aid isn’t enough, we’re here to help!

Normal Application Timeline: From as little as 20 minutes up to 3 business days depending if you can provide all the necessary information for the student borrower and co-borrower (if applicable).

Get Started Now

¹Subject to credit qualification and annual credit review. Students must also meet the school’s Satisfactory Academic Progress requirements.

Important Notice: By refinancing federal student loans, you may lose certain borrower benefits
from your original loans, including interest rate discounts, principal rebates, or some cancellation
benefits that can significantly reduce the cost of repaying your loans.