Undergraduate Line of Credit

Focus on what is really important and let us handle the rest!

Our education line of credit is designed to fill the funding gaps that may exist after all lower-cost sources of aid (including scholarships, grants, and federal Direct Subsidized and Unsubsidized loans) have been exhausted. And since you're borrowing through Star One Credit Union, you know you're getting a great deal from a not-for-profit lender you can trust.


Flexibility comes from having choices

College isn’t a “one size fits all” experience, and neither is a private student loan. We offer both a fixed rate and variable rate line of credit option so you can decide which is best for your needs.


Consistent monthly payment - year in and year out.


Current offered rates between 6.75% and 11.25% APR

Borrow up to $75,000



Pro: A predictable monthly payment with an interest rate that doesn’t change.


Consider This: You may pay more over your repayment period because fixed rates are typically higher than starting variable interest rates.



Apply for a fixed rate


Monthly payments can vary over time.


Current offered rates between 5.00% and 9.50% APR

Borrow up to $75,000



Pro: Potentially lower starting interest rates could result in lower monthly payments.


Consider This: Your interest rate can rise and fall over the life of your line of credit so your monthly payment and total interest cost may vary.



Apply for a variable rate

Benefits of our undergraduate loan solution

  • Unique line of credit structure so you can borrow once for your full undergraduate career1

  • Choose a fixed or variable interest rate

  • Zero origination or prepayment penalties

  • Flexible repayment & in-school deferment options

  • Borrow from a not-for-profit credit union you can trust


See rates page for additional information, repayment examples, and important disclosures