Private Student Loans

Making the financial grade
Cover new education costs or consolidate existing education debt with a private student loan from Mountain America.

Private Student Loans

Private Student Loans

Cover your school essentials

With a private student loan from Mountain America, you can focus on your grades, rather than your finances. When scholarships, savings and federal aid aren't enough, you still have a smart and affordable option to help pay for college. A private student loan is perfect when:

  • You do not qualify for federal aid.
  • Your school does not offer Federal Stafford Loans.
  • You are attending a community college, nursing/EMT school or computer trade school.
  • You are taking continuing education classes.
  • Your cost of attendance exceeds the amount of FAFSA.

When you choose Mountain America for your private student loan needs, you’ll receive:

  • Competitive rates*
  • Maximum loan amounts from $25,000 to $40,000
  • No origination fees
  • No prepayment penalties
  • Interest-only payments while still in school

Get the educational financing you need

Apply for your Mountain America student loan with online, visit your nearest Mountain America branch or call 1-800-748-4302.

Apply now

*On approved credit

Repayment Loans

Repayment Loans

Consolidate and save

Lighten your financial load by consolidating multiple private student loans into a single, low interest Mountain America education repayment loan. It’s an excellent way to help you save money on interest expenses, take years off your repayment schedule and put more money in your pocket each month.

Our repayment loans feature:

  • Low, fixed-interest rate*
  • Various loan terms
  • Maximum loan amount of $25,000
  • No origination fees
  • No prepayment penalties


Save money by consolidating today

Apply for your repayment loan online, visit your nearest Mountain America branch or call 1-800-748-4302.

Get started now

*On approved credit

How to Get an Educational Loan at Mountain America Credit Union

At Mountain America Credit Union, applying for one of our educational loans is easy and fast.

Speed is our middle name, because we keep the student loan process quick and simple. To apply, simply complete the following steps and we will contact you within 48 hours of your application, and you’ll have a credit decision within two business days.

  • Submit a School Certification (completed by your Financial Aid Office).
  • Submit income verification (two check stubs or two years of tax returns if self-employed).
  • Two references.

Once you have completed these steps, you simply sign your Approval Disclosure to accept the terms of your loan (you will have 30 days to do so).  After you have signed all loan documents, your funds will be disbursed to your school after three business days or the disbursement date set up by your school, whichever comes last. It's that easy, and that fast.

So don't wait, apply now and start paying for your education with a low-interest loan from Mountain America Credit Union.

Apply online

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