Consolidate your student loans into one, low monthly payment!

Simplify your finances with the cuGrad Student Loan Consolidation!

Apply online at: https//


Main Program Features

  • Refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate student loan debt or $175,000 in graduate debt.
  • Choose between paying interest only payments for the first 4 years of repayment or standard level repayment the whole term.
  • Quick approval once we receive your completed application.

Student Benefits

  • No Origination Fee for all student borrowers.
  • Simplify Your Finances with one easy monthly payment.
  • Interest-Only Repayment Option available for the first 4 years followed by 11 years of principal and interest repayment.
  • 0.25% Interest Rate Reduction when you sign up for automatic ACH payments (subject to 2.90% floor rate).*
  • Cosigner Release Available for creditworthy borrowers after 12 consecutive on-time full principal and interest payments.**

Eligibility Requirements

  • Borrow must have graduated from an eligible school.
  • Borrower must have a reliable, steady income of at least $2,000 per month.
  • Borrower and cosigner must be a US citizen or permanent resident.
  • Borrower must be a member or join Fulda Area Credit Union during the online application process.

Apply online at:

*Subject to 2.90% floor rate. Requires continued enrollment of automatic payments. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.

**Subject to lender approval. In order to qualify, the borrower, alone, must meet the lender's credit criteria and income requirements, and the borrower's loan account must remain current up until the lender's decision to release the cosigner has been made.

last edited on 03/09/17