Student Loans

Choosing Your Path

We're here to help you be smart about how you pay for school. So instead of just offering student loans, we also want to equip you with tips and strategies to help you borrow less. That's putting our members first.

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Before You Borrow

Do you need to take out a student loan to pay for your education? From applying for federal student aid to finding grants and scholarships, here's what to know before you apply.

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Undergraduate Loans

After you've taken advantage of all the student aid and scholarships you can get, the next step is applying for an undergraduate loan. We offer great rates, flexible options, and personal guidance through the entire process.

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Graduate Loans

If you need help financing your graduate degree, we'll lend you up to $200,000. With low rates at over 2,000 schools across the country, we've made it easy to get a loan that gets you where you want to go.

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Student Loan Refinance

If you already have a student loan, why not pay less interest by refinancing at a lower rate with Members 1st? Choose from a variety of terms and save with every payment.

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More than just great rates

With a student loan through Members 1st, you get access to an unrivaled offering of tools and benefits.

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Concierge Service

Have questions? You can always talk to MyConcierge™. Half personal sidekick, half financial wizard, they know money management like the back of their hand. Best of all, they're here whenever you need them.

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No prepayment penalties

Want to pay off your student loan ahead of schedule? That’s awesome! We'll never penalize you for paying early.

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Save with autopay

Setting up automatic electronic payments gets you a 0.25% discount on every payment you make. And while that might not sound like much, it can add up to serious savings over the life of your loan.

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Online tools and support

We've made managing your account super simple, with mobile tools and online resources that take the guesswork out of student loans.

Common Questions

The main purpose of the Free Application for Federal Student Aid (FAFSA®) is to determine the Expected Family Contribution (EFC) for the student. In other words, your family's income—as well as your own—play major roles in how much financial aid you receive. As a general rule, the more money you and your family make, the less financial aid you'll receive.

Yes. Not all universities are eligible for federal and state aid. Additionally, the cost of education plays a major role in determining the amount of aid that you'll receive. For example, you might receive more aid at a school that costs $30,000 per year than a school that costs $12,000 per year.

Start looking for scholarships at least a year before your first semester and continue until you have graduated. FAFSA® should be completed as early as October 1st. See the following link for a more detailed timeline. http://www.pheaa.org/partner-access/toolkit-downloads/fin-aid/pdf/Timeline.pdf

Good news: you probably can. Financial aid is available to eligible students who are attending eligible post-secondary education institutions. Check with the financial aid office at the school(s) you are interested in to find out which types of aid each school offers.

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Still have questions?

We're here to help you get answers. Give us a call or stop by your nearest branch.

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Getting Ready for Life's Moments and Milestones

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Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

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Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

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Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

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Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

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