Student Loans

We’re here to help you make your student loans more manageable, which is why we’ve teamed up with LendKey*.  LendKey helps you save money refinancing your student loans or with low rate private student loans!  Select the type of student loan you are interested in below and explore options online in minutes to find a solution that fits your unique financial situation.

A multi-ethnic group of female nursing students are attending class together. They are seated at a long table in a classroom. The individuals are working in pairs on a project. The two individuals seated closest to the camera are having a discussion while using a laptop computer.


If you have student loan debt after graduating from college, you can combine your federal and private student loans into one easy monthly payment. With Zeal Credit Union, you can choose from several rate and term options and create a loan that works for you and your current income. 


*Refinancing Federal Student Loans: Please be aware that you may potentially lose certain benefits associated with your federal student loans by refinancing such federal loans with a private student loan consolidation. These benefits may include favorable repayment options, loan and fixed interest rates, extended loan terms, and loan forgiveness. We strongly advise that you seek professional advice and examine the benefits and options before refinancing your federal loans. It is important to us that you are comfortable with potentially forfeiting benefits that may not be offered through our consolidation loan.

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Your Term

With terms of 5, 7, 10 or 15 years, you control your repayment plan. A shorter term means bigger savings but bigger monthly payments.

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Your Interest Rate

Pick a fixed rate for stable payments or choose a variable rate if you expect your income to grow or need a lower payment now.

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Your Payment

Refinance numerous federal or private loans into one payment with one lender, and get 0.25% off your rate when you set up automatic payments.

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Private Student Loans (In-School) for College Students

Private student loans from Zeal Credit Union can be used to cover education costs including tuition, room and board, books, and other school related expenses. Private student loans serve as a way for students and families to fill the funding gap between the cost of attending school and the amount of federal loans, grants, and scholarships available to them.

It is important to note that cosigners can play a critical role in helping you secure private student loans and qualify for a lower rate.

Enjoy the following benefits with a private student loan from LendKey:

  • During the in-school period, borrowers select interest-only or $25 monthly payments. Cosigner release option available
  • No origination fees or prepayment penalties
  • Apply for a private student loan in under 15 minutes!