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Student Loans

Smarter Student Loans for Today’s Smarter Student Borrower.

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See your rate in minutes without affecting your credit score.

You have big dreams. We want to help them come true. U-fi Student Loans help you meet educational 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:

4.45 % APR 3

Fixed rates as low as:

5.74 % APR 3

for eligible applications with auto debit. 1

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Three Easy Steps

Start Loan Application

2. Add Cosigner (if required)

3. Select Loan Offer

A Note About Private Student Loans

Before taking out a private student 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 on the interest rate on your student loan 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 monthly payment terms will save you truckloads once you graduate.

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).

Why would I want a cosigner?

Cosigners help you qualify for private 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

  1. Be a U.S. citizen or have permanent residency status and possess a valid U.S. Social Security number. U-fi Student Loans are currently available in all U.S. states except Vermont
  2. Be enrolled at least half-time for the loan period in question at a U-fi eligible school
  3. Have at least $36,000 in annual income
  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

You should make sure to exhaust lower-cost federal borrowing options before you turn to non-federal 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: $150,000
    • MBA or graduate law degree: $175,000
    • Graduate health professions degree: $225,000

Some of your options include:
  • Immediate repayment (you'll 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 make any payments until after you graduate)
  • Repayment terms from 5-15 years

To qualify 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

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.2

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.
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