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With SouthWest student loans, we'll be with you or your student every step of the way–from freshman year to senior year.

Apply for a student loan today

SouthWest Student Loans

With our student loan program, you pay ZERO origination fees and lower rates than many other lenders. Our private loan products are designed to fill the funding gaps that federal aid may leave behind. And since these loans are being offered through your credit union, you can trust that you are getting the best deal from a lender you can trust.

  • Easy loan application process
  • Allows for fully deferred payment while you're in school (optional).
  • Is structured as a Line-of-Credit (LOC), which you can then use over multiple years. The benefit is that with just one application you can qualify for a LOC that will cover the remainder of your undergraduate career (up to $75,000).* Each year, you simply determine how much of the eligible LOC amount you'll need - without having to complete an entirely new application!
  • Offers flexible repayment options resulting in lower initial payments after graduation.
  • Gives you the chance to reduce your interest rate by 0.25% during full repayment when you enroll in automatic payment.

*Subject to qualification and annual credit review.


  • Must be 18 years or older
  • U.S. citizens or permanent residents (International students may apply but cosigner must be US citizen or permanent resident who has resided in US for the previous two years)
  • Enrolled at least half-time in a four year degree-granting program at an approved public or private non-profit school and meet the school’s minimum SAP (Satisfactory Academic Progress) criteria
  • Able to pass a credit check (a co-borrower may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate.)
  • Eligible for SouthWest membership (You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded.)

Enjoy the benefits of SouthWest Community Credit Union membership today!

No matter where life takes you, SouthWest is here to help. Because once you're a member, you're always a member.