Student Loans
Reliable financing to fund or refinance an education.
Great Options for All Your Student Funding Goals!
Whether you wish to fund a college education or reduce existing student debt, our private student lending programs may offer the perfect solution.
Undergrad or Graduate Loans
Our unique Lines of Credit help fill the funding gaps when scholarships, grants, and federal loans aren’t enough. And, with multi-year approval, there’s no need to reapply every year1!
• Singular application – One application covers your entire undergraduate career1
• Easy Access – Draw on your funds whenever needed
• Great Rates – Low rates exclusively for NIHFCU members pursuing an undergraduate degree
• Generous Limits – Access credit lines of up to $75,000
• Manageable Repayment Terms – Flexible terms of 20 or 25 years
• Deferred Payment Options – Designed to help ease your financial burden while in school
• No Hidden Fees – No origination or prepayment penalties
• Singular application – One application covers your entire graduate career1
• Easy Access – Draw on your funds whenever needed
• Great Rates – Low rates exclusively for NIHFCU pursuing a non-medical graduate degree
• Generous Limits – Access credit lines of up to $100,000
• Manageable Repayment Terms – Flexible terms of 20 or 25 years
• Deferred Payment Options – Designed to ease your financial burden while in school
• No Hidden Fees – No origination or prepayment penalties
• Singular application – One application covers your entire graduate career1
• Easy Access – Draw on your funds whenever needed
• Competitive Great Rates – low rates exclusively for NIHFCU members pursuing a medical graduate degree.2
• Generous Limits – Access credit lines of up to $250,000 (with a co-borrower)
• Manageable Repayment Terms – Flexible terms of 20 or 25 years
• Deferred Payment Options – Designed to ease your financial burden while in school
• No Hidden Fees – No origination or prepayment penalties
Refinance Existing Student Loan Debt
Our refinance programs are designed to ease the financial burden for post-graduates. Refinance and consolidate your private or federal loans so you can save time and money, and focus on your future.
• Convenience: Combine private and federal student loans into one manageable payment.3
• Great Rates: Low rates exclusively for NIHFCU members looking to refinance non-medical student loan debt
• Flexible Options: Choose between variable and fixed-rate loans.
• Generous Loan Limits: Refinance up to $125,000.
• Terms: A wide range of repayment terms available.
• No Hidden Fees: No origination or prepayment fees.
• Convenience: Combine private and federal student loans into one manageable payment.3
• Great Rates: Low rates exclusively for doctor and dentist members looking to refinance student loan debt.2
• Flexible Options: Choose between variable and fixed-rate loans.
• Generous Loan Limits: Refinance up to $250,000.
• Terms: A wide range of repayment terms available.
• No Hidden Fees: No origination or prepayment fees.
Need advice? Our College Counselors are standing by!
Our team of experts can provide personal, one-on-one consultation for all of your financial aid, repayment, and refinancing questions.
Whether you’re a parent, high school student, or college graduate entering loan repayment, our team can walk you through the necessary steps to make smart financial decisions.
Knowledge is Power
Click these resources for more on student loans, repayment, and career development.
Thank You!
My parents always encouraged me to follow my dreams regardless of the cost. A Student Choice line of credit from my credit union made it possible for me to live out that dream.
Maris, Bethesda, MD
Disclosures
All information as of 01/24/2026 and subject to change without notice. Student loans are provided by a third party not affiliated with NIHFCU.
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1)
Subject to qualification and annual review. Students must also meet the school’s Satisfactory Progress (SAP) requirements.
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2)
Eligible specialties include: Allergist/Immunologist, Anesthesiologist, Cardiologist, Critical Care Intensivist, Dentist, Dermatologist, Doctor of Osteopathy, Emergency Physician, Endocrinologist, Family Medical Doctor, Gastroenterologist, General Surgeon, Gerontologist, Internal Medicine, Nephrologist, Neurologist, OBGYN, Occupational Medicine, Oncologist, Ophthalmologist, Orthopedics, Otolaryngologist, Otorhinolaryngologist, Pathologist, Pediatrician, Pediatric Surgeon, Podiatrist, Psychiatrist, Pulmonologist, Radiologist, Rheumatologist, Surgeon, Urologist.
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3)
Subject to credit qualification and additional criteria, including graduating from an approved school.