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Student Loans

Now you can pay for college the smart way

Fill college funding gaps or refinance and consolidate your student loans

Take advantage of the great rates and terms for our educational loans.

Get no interest and no payments for 90 days* with our student loan refinance offer!


Pay for Undergraduate or Graduate studies

With our private education line of credit, you can secure funding for your entire undergraduate career with just one application!* In future academic years, simply request funds from your line (called a “draw”) for the amount you need – no need to reapply! And with convenient repayment terms and in-school deferment, we’ll help you successfully manage repayment after college. As a local, not-for-profit credit union, we’ve got your best interests in mind.


Refinance and consolidate private and federal student loans

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.**


Take advantage of the many resources and personalized support offered by Student Choice and First South Financial

Our Student choice site has FAQs, Financial Wellness Tools, a College Counselor, Articles and more! Plus, you can get support for your application process  and student lending questions.


To find out more, please visit our Student Choice site or call 844-627-4307.

* Subject to credit qualification and annual credit review. Must meet school's Satisfactory Academic Progress (SAP) requirements.
** Subject to credit qualification and additional criteria, including graduating from an approved school. To qualify for 3 months no payments, no interest offer, the loan application must be started between 12/15/2021 and 6/15/2022 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.

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