Student loans

Academics can be stressful, but paying for an education shouldn't be. Everence Federal Credit Union offers loans to help you meet your academic goals as well as your financial ones. Get quick approval through our easy online application process.

Apply for a new student loan Apply for a consolidation loan

College graduates hugging

Loan features

Practical advantages. Promising future.

Everence Federal Credit Union offers student loans with competitive rates and flexible terms.
Student sitting in the library studying

New student loan

Get a student loan for qualified education expenses like tuition, room and board, books and a computer.

  • No origination fees
  • Competitive interest rates – we reward you for good grades with an even lower rate
  • Cosigner release available for creditworthy borrowers after 24 consecutive on-time principal and interest payments during the repayment period1
  • 30 day no-fee return policy which allows you to cancel the loan within 30 days of disbursement without fees or interest
  • Borrow as little as $2,000 or as much as $30,000 per academic year
  • Build your credit with minimum monthly payments of $25 while you are in school
  • Full monthly principal and interest payments are deferred until six months after graduation
Photo of students graduating from college

Consolidation loan

Consolidating private student loan debt can lower your monthly payments, reduce your interest rate and extend the payment period on your loans.

  • Simplify your finances with one easy monthly payment for your private student loan debt
  • Consolidate $7,500 to $125,000 in undergraduate loans or
    $7,500 to $175,000 in graduate loans
  • Interest-only repayment option of up to four years for eligible borrowers, followed by 11 years of principal and interest repayment
  • Cosigner release available after 24 consecutive on-time principal and interest payments
  • Free access to Lutheran Social Service Financial Counseling for confidential student loan repayment advice 

Apply for student loan

Use the online loan application through our partner, LendKey.

Apply for a new student loan Apply for a consolidation loan

Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
T: (800) 451-5719
F: (717) 735-8331
E: infocu@everence.com

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Find an Everence Federal Credit Union near you. 

consolidation calculator

Calculate your consolidation loan

See your potential savings and learn whether consolidating your loans is right for you by using our fast and easy student loan consolidation calculator. It lets you plug in your remaining loan balance and existing monthly payments so you can quickly figure out how much student loan consolidation can improve your monthly finances.

 

Calculate

College scholarships

Everence college scholarship

Everence members or their children can apply for a college scholarship from Everence. 

Learn more

Free debt counseling

Start getting out of student
loan debt, today

As a benefit of being an Everence Federal Credit Union member, you can access LSS Financial Counseling for free, confidential student loan repayment counseling.

In a session, you will:

  • Organize and identify your loans by type in order to strategically pay them down
  • Learn about your repayment plan options
  • Explore consolidation options
  • Discover if your career path could lead to loan forgiveness
  • Create a budget plan to strategically pay your student loans and other debts standing in your way
  • Identify options to stop payments if you haven't found that dream job

Learn more

Disclosure

Additional loan rate details.

Subject to credit union approval. The repayment period begins after the in-school and grace periods.