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Education Loans

Affinity offers convenient government and private loans with better rates than most credit cards and flexible repayment options. Whether it's to help pay for college tuition, books and supplies, fees, room and board, or computers, our loans can help meet your particular needs.

	Description	Eligibility	Terms
Affinity Education Line of Credit	For college, graduate school or trade school, the Affinity Education Line of Credit is a smart way to pay for education expenses: tuition, room and board, books, a new computer and so much more. The convenient deferred option allows you to begin payments after you graduate! There are no application fees and no annual re-application process.	FAFSA not required. Student can apply with parent as co-signor. $10,000 maximum may apply.	Maximum loan amount is the full cost of education, if borrower qualifies. No fees apply. Can be taken out for a term of up to 10 years. Payments begin 6 months after anticipated date of graduation or up to 60 months for 2-4 year degrees and 24 months for trade schools, whichever comes first.	View rates Log in & Apply
Federal Stafford Loan	The Federal Stafford Loan is one of the most affordable government loans available. This loan can be used by itself or in combination with other federal or private loans. The Federal Stafford Loan is subsidized (needs-based) or unsubsidized (not needs-based).¹	FAFSA² required before applying. Student must be enrolled in school at least half-time. Student AND borrower must be a U.S. citizen, national or eligible non-citizen. Affinity pays all fees.	Maximum loan amounts: Year 1 - $5,500 Year 2 - $6,500 Years 3-5 - $7,500 Can be taken out for a term of up to 10 years. Payments begin 6 months after graduation date or the date at which the student drops to less than half-time school enrollment status.	View rates Apply Here
Federal PLUS Loan	The Federal PLUS Loan helps "fill the gap" in financing an education. This loan allows parents and graduate or professional students to finance up to the full cost of education, minus costs not already covered by any other financial aid received.	FAFSA² required before applying. Borrower must be a parent of a dependent, undergraduate student enrolled full or half-time, or a graduate student attending at least half-time. Student AND borrower must be a U.S. citizen, national or eligible non-citizen.	Maximum loan amount is the full cost of student's education minus the total amount of other aid received. Fees of 3% of entire loan amount apply. Can be taken out for a term of up to 10 years. Payments begin 6 months after graduation date or the date at which the student drops to less than half-time school enrollment status.	View rates Apply Here

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To find out more about how Affinity can help with college planning, financing and more, contact our Member Service Center or an Affinity Financial Advisor at 800-325-0808, or stop by any branch location.

1 Subsidized - the Subsidized Stafford Loan is based on financial need. The Government pays interest on this loan during the student's full-time school enrollment. Unsubsidized - the Unsubsidized Stafford Loan is NOT based on financial need. The borrower pays interest during the student's full-time school enrollment.
2 Members can obtain information and apply at www.fafsa.ed.gov.