Private lending solutions

Line-of-Credit Details - Domestic

As Silicon Valley’s largest, member-owned financial institution, Star One Credit Union is focused on providing long-term financial solutions to more than 80,000 members worldwide.  With multiple branches in Santa Clara County, we can serve all of your financial needs.  As a not-for-profit cooperative, we are able to return our profits back to you, our members, in the form of money-saving benefits, including higher rates on savings and lower rates on loans. We’re proud to bring this philosophy to student lending – helping you finance a higher education without a higher price tag.

Key Features of Star One Credit Union's Domestic Educational Line-of-Credit Program:

  • Aggregate loan limit of $250,000, dependent on cost of attendance, school limits, and school certification (Note: annual limit of $230,000 for Sloan Master's Program)
  • Available to U.S. citizens and permanent residents
  • Apply once and secure financing for your entire graduate studies with unique Line of Credit structure
  • Zero pre-payment fees
  • Low interest rates
  • Co-borrower not required (although having a co-borrower could result in a lower interest rate)
  • Flexible repayment options, including full deferment of payments while in school
  • 20 or 25 year repayment period, depending on loan balance - or repay early at anytime with NO penalty
  • 0.25% rate discount for automatic electronic payment during repayment
  • Optional graduated repayment which provides lower payments during the first two years of repayment
  • 24/7 Call Center and Online Application
  • A Star One Credit Union branch conveniently located to the University, where you can complete your membership application and sign loan documents
  • Loan is granted and held by your not-for-profit credit union - a lender relationship you can trust

Frequently Asked Questions about the Star One Credit Union Educational Line-of-Credit Program:

Click here to visit FAQ.

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