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Student Loans

Students Studying

Need education financing?

Next to purchasing a home, an education is quickly becoming a person's second largest lifetime investment. From tuition to housing — expenses quickly add up while you're in school. Central One is here to help by providing affordable college financing (and refinancing) programs.

Apply Now

or Call 800-527-1017

Student Loans

When federal financial aid is not enough, Central One student loans are here to help. Central One offers two options for education financing: Student Choice and Credit Union Student Loans

Each option has different rates and requirements. If you would like additional information before applying, please call a member support representative, use the live chat feature or stop by a branch today.

Student Choice Loan

Best Use: Four-Year University

  • Funds may be used for undergraduate programs at Title IV and not-for-profit schools only. Find out if your school qualifies .
  • Variable rate as low as 7.50 % APR
  • Borrow up to $75,000 maximum per person (student or cosigner)
  • Co-Borrower may not be required
  • No origination fees
  • Repayment terms of 20 or 25 years

Apply Now

or Call 877-689-1173

Credit Union Student Loan

Best Use: Community College

  • Funds can be used for any accredited two-year junior or community college program.
  • Fixed rate as low as 9.500 % APR
  • Borrow up to $10,000
  • Two qualified co-borrowers may be required
  • No origination fees
  • Repayment terms of up to 10 years

Several payment options including:

  • Automatic payroll deduction from you paycheck's direct deposit
  • Recurring or one-time online payments using your online banking account
  • By phone using Tel-Talk telephone banking
  • In person at any Central One branch location
  • By mail

Apply Now

or Call 800-527-1017

Student Refinance

Refinance and Consolidate with Student Choice

Best Use: Out of school and currently employed

With a Central One Student Choice Consolidation loan, you can combine multiple private student loans (and their loan payments), into one loan with a single payment. You can only consolidate or refinance private student loans.

When you consolidate multiple student loans or refinance a single student loan, you may receive a lower monthly payment with a reduced interest rate or an extended repayment term. However, extending your repayment term may increase the amount of interest you pay over the life of the loan.


  • Potentially lower monthly payments
  • Consolidate multiple private student loans or refinance a single private student loan
  • Reduce your loan cost by qualifying for 0.25% interest rate reduction with Auto-Draft/ACH from a Central One account
  • No application fee, origination fee, processing fee or disbursement fee.
  • Variable rate based on credit history, co-borrower (if applicable) and other factors.

Apply Now

or Call 800-527-1017