Student Loans


Impacted by the Coronavirus Pandemic? We’re here to help. - In light of the significant impact and ongoing uncertainty around the Coronavirus pandemic, please know that your well-being and financial needs are our top priorities. With that in mind, in regard to your student loan account we have taken steps to ensure that you have access to the services and personalized support that you may need.

Anytime Access - University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at (Payments by mail should be sent to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.)

Personalized Support - If you have additional questions regarding your student loan account, or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with a servicing agent.


The cost of higher education isn't cheap and federal aid isn’t always enough, especially if you attend a private college or university.  That’s why at EFCU, we proudly offer Credit Union Student Choice Loans with zero origination fees, both fixed and variable rates, flexible repayment terms, and lower overall loan rates.

EFCU’s Credit Union Student Choice Loans help ease the financial strain of our members by filling the gap between the cost of attendance and traditional financial aid. Our student loan program was designed with the best interest of our members in mind, so before you talk to a loan officer about getting a loan at EFCU, we want to be sure you’ve gotten as much free and federal money as possible:

  1. Fill out the Free Application for Federal Student Aid (FAFSA) at After you submit the FAFSA, your college will tell you what school and federal aid is available to you.
  2. Search for grants and scholarships, which cost you nothing and do not have to be repaid. Talk to your school’s financial aid office for help and visit or to search for and research scholarships.
  3. Take out the maximum amount of Federal Stafford loans. In some cases, the government pays the interest while you’re in school.

If you still need aid, EFCU can help. Credit Union Student Choice Loans were created with one goal in mind – helping you finance a higher education without a higher price tag.  For more info and helpful tips, please click on the links below:

Don’t let college expenses hold you back – apply online today!


EFCU Student Lending Center

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