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What are my private student loan options?

LendKey Private Student Loan

When federal student loans aren't enough to cover the cost of your education, a LendKey Private Student Loan can help. With a loan from a non-profit credit union in the LendKey program, you can borrow up to your Cost of Attendance for both undergraduate and graduate programs.

Apply for a LendKey Private Student Loan

Student Benefits

  • No origination fee or prepayment penalties
  • Available for both undergraduate and graduate school student loans
  • 0.25% Interest Rate Reduction with automatic payment
  • Interest paid on private student loans may be tax deductible
  • Cosigner release available
  • No handoffs ever, you stay with LendKey from application to final payment
  • 30-day no-fee return policy for all borrowers
  • All loans funded by community lenders like not-for-profit credit unions and community banks
  • 97% borrower satisfaction shows our best in class customer service

Apply With a Cosigner

While not required, we strongly encourage students to apply with a creditworthy cosigner if they may have difficulty qualifying for a loan due to limited income and credit history. This may increase an applicant's chances of approval and of possibly obtaining a better interest rate.

Apply for a LendKey Private Student Loan


  • Funds can be used to pay for qualified education expenses, including:
    • Tuition
    • Room and board
    • Books
    • Computer(s)
    • More!

Loan Terms

  • Borrow up to 100% of your cost of attendance (max. $120,000 for undergraduates, $160,000 for graduate students)
  • Use the funds for any qualified educational expense, including past due tuition bills
  • Loan cancellation available within 30 days of disbursement with no fees or interest due


  • Borrower must be enrolled in an eligible school and pursuing a degree program
  • Borrower must be a member or join a participating credit union during the online application process
  • Borrower must be a U.S. Citizen or permanent resident
  • Creditworthy student borrowers can apply without a cosigner

Apply for a LendKey Private Student Loan


1 Subject to lender approval. Borrower must meet lender's credit and income requirements.

How much will my monthly payment be?

Private student loan payments are based on the amount borrowed, the interest rate and the length of the loan term.
What are my private student loan options?