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  • ODJFS CU Info

Going to College? Choose the Right Student Loan for You.

Smart Option Student Loan® for Undergraduate Students

For bachelor’s and associate’s degrees or a certificate at a degree-granting school


Variable or fixed rate Variable rates: 1.25% – 11.35% APR Fixed rates: 4.25% – 12.59% APR Lowest rates shown include the auto debit discount

3 repayment options

  • Deferred repayment

  • $25 Fixed repayment7

  • Interest repayment


Borrow from $1,000 up to 100% of the school-certified cost of attendance.

4 months of free Chegg Study®: Study help at your fingertips

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Apply to release your cosigner from your loan after you graduate, make 12 on-time principal and interest payments, and meet certain credit requirements.

Loan term: 5 – 15 years of principal and interest payments.



Parent Loan

For parents or other creditworthy individuals who want to take responsibility for financing their student’s undergraduate, graduate, or certificate education at a degree-granting school

Variable or fixed rate Variable rates: 3.50% – 13.12% APR Fixed rates: 5.49% – 13.87% APR Lowest rates shown include the auto debit discount

2 repayment options

  • Interest repayment

  • Principal and interest repayment


Borrow from $1,000 up to 100% of the school-certified cost of attendance.

4 months of free Chegg Study®: Get anytime, anywhere study and homework support for your student.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 10 years of principal and interest payments.


Call the credit union for more information.

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