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As the cost of college continues to rise, many students and families have a tough time keeping up. When federal aid falls short, our parent company — Chevron Federal Credit Union — has your back with a private and affordable student loan solution through Student Choice.

So you won’t have to choose between your educational goals and other household expenses.

Student Choice — a company that serves credit unions in providing fair and low-cost student loans to their members  — offers a variety of lending options to fit your needs. Designed to bridge the gap between free and low-cost federal aid and your cumulative college expenses, these private student loan options are flexible, trustworthy, and reasonable. And with a line-of-credit structure, you only have to borrow once. 

We believe students and their families deserve high-quality educational resources about their student loan products. That’s why our members get access to one-on-one, personal College Access and Repayment Counselors through Student Choice. Have questions about FAFSA? Confused about the terminology of your awards letter? Your College Access and Repayment Counselor can help you every step of the way. 


  • Zero origination or prepayment fees
  • Low interest rates
  • Option to defer all payments while in school
  • Repayment period of up to 25 years
  • Convenient line-of-credit structure, so you don’t need to reapply each year1
  • Borrow up to $75,000 with rates as low as 6.50% APR2

Visit Student Choice to learn more about the partnership with our parent company, financing options available to you, and how to apply.

A message from Spectrum Credit Union and Student Choice

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. Learn more here.

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.

1 Subject to credit qualification and periodic credit reviews.
2 Interest rates vary. See rates page for additional information and important disclosures.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.