Undergrad Private Student Loan

Mid-term exams, late-night cramming, in-depth research. There's nothing easy about earning an undergraduate degree. And it can be just as challenging to cover tuition costs. At KEMBA Financial Credit Union, we offer affordable student loans and other resources that can help you afford your first-choice college.
Student loans are a big responsibility. Before you consider a private loan, search for scholarships and grants, and complete the Free Application for Federal Student Aid (FAFSA) form.
Private Student Loan Details
Once you earn your degree, you'll want to focus on your career without worrying about loan payments. Our education loans are as friendly as your favorite professor, with low interest rates, multiple repayment options and other advantages.

- The unique line-of-credit structure allows you to borrow throughout your college career versus re-applying year after year
- Funds for eligible universities
- Education loans can cover a wide range of expenses - tuition, fees, room and board, books, technology and lab materials
- Low interest rates
- No application fees
- No pre-payment penalties
- Flexible repayment options
- 24/7 online application
- Credit union membership is required to borrow
Financial Aid & Scholarships
We get a kick out of helping ambitious young people attend college. But KEMBA Financial shouldn't be your only financial aid stop.

- Thousands of scholarships go unclaimed each year because no one applies for them. In addition to tracking down scholarships awarded in your community, try websites like Scholarships.com and fastweb.com.
- The federal government also offers a variety of student loan programs. To learn more, visit the U.S. Department of Education's website.
- Whether you're requesting aid from the government or your college, you'll probably have to complete the Free Application for Federal Student Aid (FAFSA) form.
- Someday, you may want to pursue an advanced degree. KEMBA offers graduate student loans as well.
Financial Aid Resources
College classwork demands that you dig for information. To learn all the ins-and-outs of financial aid requires similar skills. Here are some places to start:

- StudentAid.Gov consolidates your federal student loan data in one place.
- Watch this video to learn the Seven Easy Steps to the FAFSA: Student's Guide to the Free Application for Federal Student Aid.
- Access award-winning financial education, including timely webinars and guides, to improve your knowledge and habits, from our partners at Credit Union Student Choice and iGrad.
Disclosures
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*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.
Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.
USA PATRIOT Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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