1.877.451.HNCU

Student Loans

Scholarship Search Engine

Our Scholarship Search tool allows you to search our online database of more than 9,000 college funding sources comprised of more than 800,000 individually awarded scholarships valued at over $2.8 billion.

Start Your Scholarship Search

Federal Consolidation Loans

After graduation, consolidation loans can help ease the burden of repayment by bundling all your student loans into a single loan with one lender and one repayment plan. Students and parents are each eligible for student loan consolidation, and you can lower your monthly payment burden by as much as 60%.

Need a Federal Consolidation Loan? Apply Online Now!

Private Consolidation Loans

If you've already consolidated your federal education loans at a rate of 8.25% or higher, you may be able to refinance again to lower your payments even further. Or you can save hundreds of dollars by combining your federal consolidation loan and private education loans into a single, new loan with one monthly payment.

Need a Private Consolidation Loan? Begin the application process!

Federal Parent PLUS Loans

Federal PLUS Loans are the easy, affordable way for parents to borrow up to the total cost of college attendance. PLUS Loans are not a need-based loan - almost everyone qualifies for this federally insured loan program.

Need a Federal Parent PLUS Loan? Apply Online Now!

Federal Stafford Loans

A Stafford Loan is one of the most affordable ways to pay for school. Stafford Loan rates are lower than other forms of consumer financing, and repayment is postponed until you are out of school.

Need a Federal Stafford Loan? Begin the application process!

Private Education Loans

If federal aid doesn't cover the total cost of your education, you can still get the money you need. Private loans are unsecured, credit-based loans available to students for tuition and fees, living expenses, supplies, computers and other every day living expenses.

Need a Private Education Loan? Begin the application process!

All loans require a completed loan application and approved credit. Some restrictions may apply. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.