Student Loans

We're proud to provide financial support for tomorrow's leaders.

Our Student Loans feature:

  • Undergraduate loans
  • Graduate loans
  • Refinance your current student loan

An A-plus way to get you to graduation day

You've saved for years, applied for scholarships, and maybe received some government loans. But you're still short of what's needed to attend college. Don't give up! At NorthCountry, we put a high value on higher education. That's why we offer a wide range of affordable private loans, designed to bridge the financial aid gap and give you a golden opportunity to reach your academic goals.

  • Loans for undergraduate and graduate students
  • Easy-to-access lines of credit fill funding gaps
  • Easy online application and quick decisions
  • Competitive rates and flexible repayment plans

Do you have student loans and want to refinance?

We can help you there, too. Consolidate your federal and/or private student loans into one loan with NorthCountry to potentially reduce your monthly payments. 

  • No origination, processing or disbursement fees
  • Loans from $5,000 to $100,000

Apply now on our student loan website.

You've got questions, we've got answers

View All FAQs

Most loans can be refinanced, including private loans, federal loans, educational institution loans, and loans that were previously consolidated.

Call toll-free (800) 723-2210 with any questions regarding your student loan. If you are an existing borrower, you can view your student loan account information at

Student loan payments should be mailed to:

UAS, PO Box 5865, Carol Stream, IL 60197-5865.

Our Student Choice private lending solution can help you fill educational funding gaps that may exist after you’ve exhausted lower-cost sources like scholarships, grants, and Federal Stafford loans. With great rates and fewer fees, you could save thousands of dollars by choosing us for your financing.

If you aren’t already a member of the credit union, you will need to become a member to receive funding. To qualify, you must also be a U.S. citizen or permanent resident enrolled at least half-time in an approved degree-granting program at a public or private nonprofit school. 

Once approved, students can borrow up to the school’s calculated cost of attendance less other financial aid received. The exact amount will be certified by the school. The maximum total amount you can borrow throughout your undergraduate career is $75,000. For details related to graduate student loans, please visit our student loan website.

Funds are disbursed directly to the school on the date the school requests payment. Any excess funds beyond what is needed by the school will be disbursed to the student by the school.