When Federal aid just isn't enough, ARC Federal Credit Union can help.

The cost of college continues to rise, making it harder to afford. At ARC Federal Credit Union, we’re committed to helping students find the best funding for their education. We’ve partnered with other credit unions to form the Credit Union Student Choice Loan Program that can help you and your family fill in the gaps that federal aid may leave behind. With lower interest rates and no origination fees, you’ll get significant cost-savings by choosing your credit union’s student loan over other alternative lenders.

  • No origination fees
  • Lower interest rates
  • Deferment of principal and interest while in school
  • Flexible repayment terms
  • Easily apply online or by phone

Student Loan Center

  • Budgeting tips, loan calculators, budgeting worksheets
  • Student loan type explanations and comparisons (Parent PLUS, Subsidized Stafford, Unsubsidized Stafford, Alternative Private Source)
  • "For Parents" page
  • Graduate Program Student Loan for Business College
  • Complete ARC Student Loan details
  • CLICK HERE To Enter Our Student Loan Center

Click Here to view a list of eligible schools.

Frequently Asked Questions

*Excludes any previously awarded financial aid as certified by the school. To qualify, the student must meet all of the following credit criteria: minimum 660 FICO score; two years of continuous employment history; a minimum gross monthly income of $1,500; and no foreclosure, lien, bankruptcy, student loan default and 24 months of credit history. If the student does not meet these requirements, a co-borrower will be necessary.

** Consult your tax advisor.