Private Student Loans

Save money by consolidating your private student loans into a single, low rate loan at Mountain America. Or, cover your student expenses with an Educational Line of Credit. You can focus on your studies and not worry about your finances.


Private Student Loans

Save money by consolidating your private student loans into a single, low rate loan at Mountain America. Or, cover your student expenses with an Educational Line of Credit. You can focus on your studies and not worry about your finances.

Consolidate Educational Debt with a Student Loan!

Too many payments and too many loans can leave you feeling stretched thin once you graduate. Lighten your load by consolidating multiple private student loans* into a single, low interest Mountain America education repayment loan. 
By financing your loans into a single, low interest student loan, you will save big on interest expenses, take years of your repayment schedule, and put more money in your pocket each month. You’ll be out of debt sooner, and ready to save for the future.  

Check out these other features:
  • Low, fixed-interest rate
  • No origination fees
  • No prepayment penalties
  • Maximum loan amount of $25,000
  • Fast processing
  • Loan terms up to 120 months (10 years) or 12 months per $1,000
A repayment loan helps you keep things simple: a single, low, fixed interest rate loan with no origination fees and no prepayment penalties.
So don’t wait. Apply for your student loan with Mountain America today and start paying off your educational debt faster to help you prepare for your future. Apply online by clicking the button below, visit your nearest Mountain America branch, or call 1-800-748-4302. 


Focus on Your Grades, Not Your Finances With an Education Line of Credit

Trying to balance class schedules, study time, work, and other activities can be difficult for students. We want to make it easier by eliminating your financial worries with an Education Line of Credit.

Mountain America's Education Line of Credit helps you pay for school expenses not covered by Federal Aid. It’s a private student loan that helps you finance your education if:
  • You do not qualify for Federal Aid.
  • Your school does not offer Federal Stafford Loans.
  • You are attending a trade or specialty school (Cosmetology, Aesthetician, etc.).
  • You are taking continuing education classes.
  • Your cost of attendance exceeds the amount of FAFSA.
  • You are taking certification courses (Truck Driving, Aviation, Helicopter, etc.).
An Education Line of Credit is an easy way to pay for educational expenses not covered by federal aid, and to fill the gap between what you owe and what your financial aid covers. This loan is a great follow-up to first-line financial aid sources such as grants and Stafford or PLUS loans, all which are accessible through Free Application for Federal Student Aid (FAFSA). 

What You Need to Know About An Education Line of Credit:

  • No origination fees.
  • No prepayment penalties.
  • Variable interest rate based on prime and your credit worthiness.
  • Maximum loan amount $25,000 ($40,000 for certain schools).
  • Loan amount is determined by the total cost of education, less any other financial aid received.
  • Interest-only payments while still in school.
  • Maximum, interest-only loan term of six years (72 months), converting to interest plus principal thereafter.
  • A cosigner is often required.
  • Must submit grades or a progress report to Mountain America every six months.
  • Converts to Education Repayment Loan six months after graduation, withdrawal from school or if grades haven't been received by MACU for six months.
Apply for your Education Line of Credit with Mountain America today and start focusing on your education rather than your finances. Apply online by clicking the button below, visit your nearest Mountain America branch, or call 1-800-748-4302. 


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. In fact, 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. 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.


Blog Articles

Traveling Savvy: Money Management Tips For Your Trip

If you’re getting ready to take a trip this spring or summer break, be sure... Read More »

How to Budget for Prom

Going to prom doesn’t have to leave you with an empty wallet. Check out these... Read More »

Paying Back Student Loans

For many college students, getting a student loan is a necessary part of paying for... Read More »

Tips for the First-Time Car Buyer

Buying a car for the first time is a major life milestone, so you need... Read More »

College Application Guidelines to Follow

For high school juniors and seniors poring over college applications, time is of the essence.... Read More »

Acing the Interview: Tips for Job-Seekers

Everyone can be unnerved by the job interview process. The idea of selling oneself in... Read More »

Balancing Books and a Budget: Maintaining a Part-Time Job and Good Academic Standing

For college students, getting a part-time job is a great way to earn some extra... Read More »

Three Easy Ways to Apply.

*Utah Higher Education Assistance Authority (UHEAA) and other Federal loans may not be refinanced.

Connect with us

Live Help

Chat With A Member Of Our Support Team

First Name
Last Name


Monday - Friday: 9:00 AM - 6:00 PM MDT
Saturday - Sunday: Closed

Check out our FAQs

Which type of account would you like to register?

(including re-registrations)