Student Loans in Vermont & New Hampshire
Affordable college financing for students and families featuring low rates, flexible terms, and no origination or prepayment fees.
Overview
Why Get Student Loans Through 802CU?
A college education can unlock incredible opportunities, but it often comes with a hefty price tag. Through our partnership with Credit Union Student Choice, 802CU offers an affordable private lending solution designed to minimize debt and maximize flexibility.
Whether you’re planning for your child’s future or managing your own education, our student loan solutions offer competitive rates, simplified repayment, and one convenient application for the entire college career.
Member-Focused. Locally Rooted.
Flexible Funding for Higher Education
Finance undergraduate studies with smart, credit union-backed loans that grow with you year after year.
Loan Benefits
A Smarter Way to Borrow for College
Borrow Once, Cover Four Years
Use one application to secure a line of credit for your full undergraduate program—no need to reapply every year.
No Hidden Fees
Enjoy zero origination fees and no prepayment penalties—ever.
Defer Payments While in School
Postpone both principal and interest payments until after graduation or if enrolled at least half-time.
Competitive Rates & Repayment Terms
Take advantage of credit union pricing with flexible repayment options and lower interest rates than many private lenders.
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refinance options
Refinance Your Student Loans
With fixed rates and terms up to 60 months, a personal loan gives you flexibility and control, whether you’re managing repairs, bills, or other life expenses.
Subject to credit qualification and additional criteria, including graduating from an approved school.
Important Notice:
By refinancing federal student loans, you may lose certain borrower benefits such as income-based repayment, loan forgiveness, or other protections. Please review all terms before proceeding.
Financial Education Resources
Learn More About Paying for College
At 802CU, we want to empower students and families with more than just financing; we want to support smart borrowing and long-term success. That’s why our Student Choice partnership includes access to helpful financial education tools.
Explore budgeting tips, loan planning guides, repayment calculators, and more.
Frequently Asked Questions
Have Questions? Let Us Help!
Banking Services
Bank Smarter With The Right Tools
From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.
More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Hear From Our Members!
Real stories from real people who’ve found their financial home.
I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.
Sarah
Windsor, VT
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