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 rates starting as low as 3.99%1 and flexible repayment 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.2
  • 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 $5,000 to $125,000 in undergraduate loans or
    $5,000 to $175,000 in graduate loans.
  • Fixed and variable rate options.
  • Cosigner release available.
  • 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
Call or text: 800-451-5719
F: 717-735-8331

Download the app: App Store | Google Play

Find an Everence Federal Credit Union near you. 

College scholarships

Everence college scholarship

Everence members or their children can apply for a college scholarship from Everence each year between January 1 and March 10. 

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


Additional loan rate details.

Rates subject to credit score and loan program.

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