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Student Loans for

UBT Customers

U-fi helps college students meet education costs and achieve educational goals.

U-fi Student Loans

U-fi offers Undergraduate, Graduate, MBA, Law, and Health Professions Loans. No matter which degree you’re working on, we’re here to help make it happen.

Variable rates as low as:

2.80 % APR 3

Fixed rates as low as:

4.70 % APR 3

Rates listed above include an interest rate reduction for eligible applications and enrollment into auto debit 1

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See your rate in minutes without affecting your credit score.

Three Easy Steps

  1. 1

Start Loan Application

  1. 2

Add Cosigner (if required)

  1. 3

Select Loan Offer

A Note About Private Loans

Before taking out a private loan, make sure to take advantage of any federal student loans, grants, or scholarships you have access to. Federal student loans often include benefits and lower interest rates, so be sure to consider all of your options before applying for a private loan.

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Why U-fi?

U-fi Student Loans can cover costs that aren’t met by federal funding. No matter which stage of higher education you’re in, we’re here to help. Offering low rates, no origination fees, and multiple repayment options, U-fi supports the diverse needs of today’s student borrower.

Auto Debit Savings

We’ll knock 0.25 percent off of your interest rate when you enroll in auto debit.1

Cosigner Release

Once you make 24 on-time payments, you’ll have the option to release your cosigner.2

Save Money

Lower interest rates and flexible loan terms may save you money.

Flexible Repayment Options

Choose from three repayment options to find the plan that best fits your lifestyle. Also, enjoy a six-month grace period after you get your degree.

  • Immediate Repayment
    Start making payments on both principal and interest right away.
  • Interest-Only Repayment
    Make interest-only payments while in school, and for the six-month grace period after graduation or falling below half-time status.
  • Deferred Repayment
    As long as you’re enrolled in undergraduate or graduate program at least half time, you have the option to delay payments on principal and interest for up to 78 months (plus a six-month grace period).

What Our Customers Are Saying

Why would I want a cosigner?

Cosigners help you qualify for student loans and may help reduce your interest rate. As a student, it’s likely you’ll need a trusted individual with a solid credit score to act as your cosigner.

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Frequently Asked Questions

A cosigner is a creditworthy person willing to assume responsibility for loan liabilities if the borrower fails to repay the loan. Applying with a cosigner may help you qualify for a loan and also lower your interest rate. Cosigners must be eligible U.S. citizens or permanent residents.

  1. U.S. citizenship or permanent residency status and possession a valid U.S. Social Security number. U-fi Student Loans are currently available in all U.S. states except Vermont.
  2. At least half-time enrollment at a U-fi eligible school for the loan period in questions
  3. Annual income of at least $36,000
  4. Neither borrower nor cosigner can have previously defaulted on a student loan
  5. Neither borrower nor cosigner can have filed for bankruptcy in the past seven years
  6. Have a 680+ credit score

You should make sure to exhaust lower-cost federal borrowing options before you turn to non-federal student loans like ours.

Undergraduate
  • Minimum loan amount: $1,000
  • Maximum loan amount: $125,000
Graduate
  • Minimum loan amount: $1,000
  • Maximum student loan limit:
    • Graduate and doctorate: $175,000
    • MBA or graduate law degree: $175,000
    • Graduate health professions degree: $300,000

Some of your repayment options include:
  • Immediate repayment (you'll only be required to make full principal and interest payments as soon as the loan is disbursed)
  • Interest-only repayment (you’ll make interest-only payments while in school)
  • Defer Principal and interest payments (you won’t be required to make any payments until after you graduate)
  • Repayment terms from 5-15 years

To quality for a U-fi student loan you’ll need to:
  • Be an undergraduate or graduate student enrolled at least half-time at an eligible institution.
  • Be a U.S. citizen, permanent resident, or have a qualified cosigner who meets those requirements
  • Pass a credit check and provide proof of income, or have a qualified cosigner who meets those requirements

Short answer? It depends on the type of loan. Longer answer? Federal Direct Loan interest rates are determined each year by the U.S. Congress. Private loan interest rates are set by private lenders (like U-fi) using a financial index.

You’ll need to contact your student loan servicer or private loan lender to start the deferment process – keep in mind that you’ll still accrue interest while your loans are deferred.

When you drop below half-time status, your six-month grace period with U-fi will begin. If you decide to return to school before that six months is up, you can extend your grace period for another six months after you graduate.

U-fi offers three repayment options: Immediate Repayment (you’ll make payments on principal and interest right away), Interest-Only Repayment (you’ll make interest-only payments while in school and in grace), and Deferred Repayment (you’ll delay all required payments for up to 78 months, plus your grace period).

With U-fi, the fastest option is Immediate Repayment, since you’ll be higher payment each month, but paying less in interest over time.

Your cosigner should be a trusted individual who has strong credit, a reliable annual income (at least $36,000), and is a U.S. citizen or has permanent residency status. Your cosigner can be released from the loan after 24 consecutive on-time payments have been made.