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Student Loans

Congrats, you’re taking your education – maybe even your career or income – to the next level! If you’re short on cash for school or you want to make existing student debt more affordable, we've got you.

Lower Student Loan Payments and $300 Cash? Smart Move!

Looking to save money on your student loans? Or just wondering if you're paying more than you need to? Refinance with Summit today and you'll get $300 cash back!1

Credit Union Student Choice

When Financial Aid Isn’t Enough, Get the Help You Need From Summit

Talk with us about a private student loan and we’ll go over your goals – from living the dorm life to going back later for your online degree to refinancing your loans. We can help set a plan that has you minoring in Saveology.

We’ve partnered with Student Choice to provide you with student loans that can help make it happen.

Make College Happen

Let's do it, together.

Earn Your Degree With the Help of a Private Student Loan

When financial aid can’t cover all your expenses, an affordable, private student loan can fill the gap! Apply once for all four years and wait to make payments until you’re out of school.* Plus, pay zero fees and no penalties if you pay your balance off early! Summit can set you up with a quick preapproval and payment plan that works for you.

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Student Loan Refinance

Want to lower your monthly payment? Refinance your student loans – or consolidate multiple loans – with Summit and you could save a little money on every payment . And a lot of money on your entire loan! See how much you could save!

Compare student loans with our refinance calculator.

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Student Loans Made Easy

Laptop and mobile phone

Step 1

Apply online or call 800-236-5560.

Two people signing loan document

Step 2

Decide if you need a cosigner.

Payment options

Step 3

Review and choose your payment options.

Signing application for student loan

Step 4

Sign and accept your loan.

Have questions about the application or any of these steps? Summit’s student loan experts are here to help. Get in touch today.

Who Can Apply

To apply for a loan you need to be:

  • A U.S. citizen or permanent resident
  • 18 or older
  • Enrolled in an eligible school at least half-time
  • Pursuing a degree program

Think you won’t qualify for a loan on your own?

Apply with a co-signer who has a good credit rating. This can help you get the loan you need and could help you get it at a better interest rate. That means you’ll have lower loan payments and owe a lower total amount.

When it’s time to repay the loan, make your payments on time for at least 24 months in a row, and you might be able to have the co-signer’s name taken off the loan.

Save More With Our GO Bundle 

Our GO Bundle gives students the tools they need for financial success, from accounts with overdraft protection to rewards on credit card purchases and more!

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