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Covid-19 notice

Impacted by COVID-19? We have steps to ensure access to the services and support you may need for your student loan account.

  •  Anytime Access – University Accounting Service (UAS) is your loan servicer, providing 24/7 access to view your loan information and make payments at www.uasecho.com. (Payments by mail should be sent to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.)

  • Personalized Support – If you have questions regarding your student loan or and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with an agent.

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Fund an undergraduate degree

The NIH Federal Credit Union is proud to offer private lending solutions to help parents fund an undergraduate education. Our programs feature:

  • Rates as low as 3.50% APR1Visit our rates page for all available rates and terms.

  • Repayment terms of 20 or 25 years

  • A convenient line of credit structure3

  • Credit lines up to $75,000

  • Deferred payment options

  • No origination or prepayment fees

>>> Request a no obligation student loan check-up or go here to schedule a one-on-one phone consultation.

College Student Moving into Dorm
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Fund a graduate or a medical degree

Our advanced degree loans provide borrowing options for graduate students – both medical and non-medical.

Graduate Non-Medical Degrees

  • Rates as low as 3.50% APR1. Visit our rates page for all available rates and terms.

  • Repayment terms of 20 or 25 years

  • A convenient line of credit structure3

  • Credit lines up to $100,000

  • Deferred payment options

  • No origination or prepayment fees

Graduate Medical Degrees

As part of our commitment to the healthcare community, our medical school loans2 offer all the benefits above PLUS

  • Credit lines up to $250,000 (with a co-borrower)

  • View current rates here

>>> Request a no obligation student loan check-up or go here to schedule a one-on-one phone consultation.

Student graduating after receiving NIHFCU Student Loans
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Thank you!

I attended a very expensive university because my parents always encouraged me to follow my dreams regardless of the cost, and this was the best school for me. A Student Choice line of credit from my credit union made it possible for me to live out that dream.

Marisa

Bethesda, MD

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Refinance existing student loans

Post-graduate: non-medical

  • Variable and fixed options available

  • Rates as low as 2.75% APR1. Visit our rates page for all rates and terms

  • Refinancing of private or federal student loans

  • Limits up to $125,000

  • Payment terms of 5-15 years

  • No origination or prepayment fees

Post-graduate: Medical Doctors and Dentists

Our medical school refinance loans offer practicing specialists the opportunity to further ease the burden of existing medical school debt. Enjoy the refinance features above, PLUS:

  • Rates as low as 2.50% APR1. Visit our rates page for all rates and terms

  • Limits up to $250,000

>>> Request a no obligation student loan check-up or go here to schedule a one-on-one phone consultation.

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Resources for students, parents and professionals

Tools and resources designed to help you make an informed decision about student loan debt through our partner Student Choice.

Student Loan check-ups – no-obligation consultations with a student loan counselor to support your education financing questions and needs.

iGrad – videos, articles and interactive tools to help you make decisions about paying for college and managing your money post-college.

Webinars – live or recorded webinars on a range of topics such as FAFSA, scholarships, college prep, financial aid and more.

Loan Calculator – use our tool to calculate estimated savings by consolidating your high-rate student loans.

FAQs – We’ve assembled a list of common inquires pertaining to undergrad, graduate and student loan refinancng

More Educational Content
The Guide to financial aid

Student loans explained

Manage your debt after graduation

 

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Annual Percentage Rates (APRs) as of  4/01/2020 and subject to change without notice. The lowest APR shown is available to borrowers with excellent credit. Certain restrictions may apply.
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.
3 Subject to qualification and annual review. Students must also meet the school’s Satisfactory Progress (SAP) requirements.