Making student loans easy.

Student Loan Refinance

United Heritage Credit Union makes student loans easy. UHCU’s education refinance loan option gives you the freedom and flexibility you need to reach your goals. Whether you want to reduce your payment, lower your interest rate or just combine all your loans to make life a little simpler, UHCU education refinance loan is a simple, straightforward solution.

• Repayment terms of 5, 10 and 15 years
• Borrow from $10,000 to $250,000
• .25% discount for automated payment deduction
• Cosigner release after 36 on-time payments
• Complete your entire application in minutes on your phone, tablet or laptop or start on one device and finish on another.

Undergraduate and Graduate Loans

UHCU’s in school loan helps undergraduates and graduates pay the full cost of attendance. Get a credit decision in minutes and invite a cosigner in seconds.

• Fully deferred, interest only or immediate repayment options
• Borrow from $3,000 to $150,000
• .25% discount for automated payment deduction
• Cosigner release after 36 on-time payments
• Receive real-time updates on your application via text

Returning Borrowers

If you're a returning borrower, click the button below to access your account.

Map Out Your College Journey

Navigating college can be difficult for both parents and students. We have put together helpful resources driven by students for students to help map out each step of the process. Knowing the roadmap makes the journey to adulting a little less scary. Check out the site for a wide array of information on topics like:

• Planning for College
• Saving for College
• Paying for College
• Life in College
• Adulting 101
• and more!