Student Choice Education Loan

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Your educational goals matter to us.

Valley First offers private loan solutions that can help you fill the funding gaps that federal aid may leave behind. With low rates and fewer fees, you could save hundreds of dollars by choosing a Valley First Student Choice Education Loan over alternative lenders. Plus, you have the option to defer all payments while in school!

Apply only once and you may enjoy easy access to funds over your entire college career.

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Enjoy these convenient features & benefits:

Low Variable Interest Rates

Flexible Repayment Terms

No Prepayment Penalties

No Origination Fee

24/7 Call Center
& Application Support


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Current Rate
As low as
6.99% APR1


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Does my school qualify?

Before you apply, check to see if your school is one of the nearly 2,000 schools nationwide eligible for the Student Choice loan program.

How much can I borrow?

Once approved, students can borrow up to the school's calculated cost of attendance less other financial aid received, as certified by the school . The maximum amount you may be qualified to borrow throughout your college career is $75,000.

How quickly are the funds disbursed?

Funds are disbursed directly to the school by Valley First Credit Union on the date the school requests payment. Any excess funds beyond what is needed by the school will be disbursed to the student by the school.

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Applying for a Loan is Easy


Our online loan application is easy, secure and available 24/7.

Apply Now

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Loan Protection Gives You Peace of Mind

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with Debt Protection.2

Ask to add Debt Protection at any Valley First branch.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

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You must be an undergraduate student enrolled at least half-time in a degree-granting program at a four-year public or private non-profit school.

To get an Student Loan, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APR = Annual Percentage Rate.  APR may vary and ranges from 6.99% to 8.24% and is accurate as of 07/01/2020.  Your APR is determined by program selected and credit history. All loans subject to credit approval and annual credit review. Rates, terms and conditions subject to change.  
2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration.