Student Loans

Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:

- Competitive variable and fixed interest rates
- No origination fee or prepayment penalty¹
- Multiple repayment options
 

 Learn which loan is right for you
 

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as
provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current
Principal.

Undergraduate
Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school

Graduate
Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Health Professions Graduate Loan
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other
graduate-level health programs

Law School Loan
Pay for your school and associated expenses as you study for your law degree

Parents
Parent Loan
Help your student by taking responsibility with a loan in your name
 

 Learn which loan is right for you.
 

Smart Option Student Loan and graduate loan products: This information is for borrowers attending degreegranting
institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must
be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment
period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy
cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service
(USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who
are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law
School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program
in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not
eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other
eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The
student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school
during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower,
cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to
the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that
amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit
and other eligibility criteria apply.

Annually, Florida Credit Union provides three scholarships for dedicated and motivated students looking to further their education. Credit union scholarships from FCU are awarded based on the student's scholastic record, future potential, leadership, initiative, character, dependability, integrity, and financial needs. Scholarships are available to any student who is actively enrolled or plans to enroll in undergraduate courses within the calendar year. The student or their parent/guardian must also be a member of Florida Credit Union. Learn more about Scholarships from FCU. 

Looking for more funding options? As a member of Florida Credit Union, you have access to the Sallie Mae Scholarship Database, a search system of opportunities for funding your furthering education initiatives. Please visit the Scholarship Search Database for more information.