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Impacted by COVID19 Pandemic? We’ve taken steps to ensure that you have access to the services and personalized support that you may need for your student loan account.

  •  Anytime Access – University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at (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 account or experiencing difficulties and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with a servicing agent.

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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 4.75% 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

Get a complimentary, no obligation student loan check-up to support your undergraduate financing needs.

Learn more about funding an undergraduate degree with Student Choice.


Speak to counselor
College Student Moving into Dorm
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Graduate and Medical degree loans

Our advanced degree loans provide borrowing options for graduate business and medical school students.

Graduate Business

  • Rates as low as 4.75% 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 $100,000

  • Deferred payment options

  • No origination or prepayment fees

Graduate Medical

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)

Need great advice? Get a complimentary, no obligation student loan check-up to support your graduate or medical school financing needs?

Learn more about funding a business or medical school degree with Student Choice.

Speak to counselor
Student graduating after receiving NIHFCU Student Loans
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Thank you!

I attended a very expensive undergraduate 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.


Bethesda, MD

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Refinance your existing student loans and save

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 loans2offer 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

Learn more about refinancing existing business or medical school debt with Student Choice.

Need great advice? Get a complimentary, no obligation student loan check-up to learn more about your refinance/consolidation options.

Speak to counselor
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Calculate your savings using our student loan calculator

Check out how easy it is to save money and lower your payment by consolidating your high-rate student loans. Use our student loan consolidation calculator to calculate your savings.

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Resources for students, parents and professionals

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

Create a personalized profile and access informative videos, articles and interactive modules. Try it out today.

Educational Content
Student Choice provides a wide variety of educational content focused on student debt.

Access live or recorded webinar content on demand. Check it out.

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.