Student and Scholar Loan Options

Student & Scholar Loans

AHCU offers private student loans through LendKey at affordable rates. You can also refinance existing student loans or take out a scholar loan. We care about students and education.

Back to School Giveaway

Enter for a chance to win a $100 Best Buy Gift Card and a backpack filled with school supplies when you apply for an AHCU Scholar Loan between August 1, 2026, and August 31, 2026.*

What is a Scholar Loan?

This is an exclusive unsecured personal loan for active students that can be used for any purpose such as school supplies, bills, taxes, debt consolidation, transportation, travel, everyday spending, big purchases and more!

5.00% APR (co-signer may be required)
Maximum loan amount is $5,000
Maximum financing is 60 months (5 years)
Loan Funds will be deposited into an AHCU Checking Account.
Low-cost Credit Life and Disability Protection available
Supports students with little to no credit history

We’re here to support you at every stage of your journey—providing financial assistance as you pursue your education and build your future career.

Giveaway begins August 1, 2026, and ends August 31, 2026. A completed AHCU Scholar Loan application must be submitted by 11:59 p.m. CT on August 31, 2026, to be eligible. Loan approval is not required to enter. Scholar Loan eligibility requirements apply. A co-signer may be required. See Official Rules for complete details.

Apply Now

Official Rules

Scholar Loan

Finances are hard for students. Scholar Loans from AHCU are unsecured signature loans designed specifically for students. Let us help you achieve your academic goals with the support you deserve.

What is a Scholar Loan?

This is an exclusive unsecured personal loan for active students that can be used for any purpose such as school supplies, bills, taxes, debt consolidation, transportation, travel, everyday spending, big purchases and more!

5.00% APR (co-signer may be required)
Maximum loan amount is $5,000
Maximum financing is 60 months (5 years)
Loan Funds will be deposited into an AHCU Checking Account.
Low-cost Credit Life and Disability Protection available
Supports students with little to no credit history

We’re here to support you at every stage of your journey—providing financial assistance as you pursue your education and build your future career.

Apply Now

If you are a current member, you can simply log into online banking, click (+) add account and choose Apply for a Loan.

Am I Eligible for a Scholar Signature Loan?

These loans are solely for borrowers currently enrolled in higher education.

Any field of study
Current Enrollment at community colleges, technical colleges, vocational colleges, and public and private universities
Existing or New Checking account required
Must enroll in automatic loan payment (can be an external account)

How Do I Prove I Am a Student?

Applicants must provide proof of student status using at least one of the following documents:

Transcript
Tuition bill/receipt
Proof of class registration
Letter from school verifying enrollment
Acceptance letter

These documents must show a relevant time/date stamp.

How Do I Apply for a Scholar Loan?

Contact our dedicated loan team at (651) 383-4000 or toll-free at 1-877-241-8233 to get your loan application started.

Private Student Loans

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

Lower payments with low interest rates
Tax deductible interest payments
Cosigner release option available
No origination fees or prepayment penalties
0.25% interest rate reduction for using ACH automatic payments

Apply for a Student Loan

Student Loan Refinance Options

Enjoy the following benefits when you refinance your student loans through LendKey and their marketplace partners:

Lower payments with low interest rates
Refinance federal and private student loans for undergraduate and graduate debt
Simplified finances with one simple monthly payment
No origination fees or prepayment penalties
Cosigner release option available
0.25% interest rate reduction for using ACH automatic payments

Vist Lendkey to view current rates.

See the Rates

Start Saving Early with a Coverdell ESA

Make it easier for a student in your life to fund the education they deserve. A Coverdell Education Savings Account (ESA) offers a tax-free way to grow your savings with competitive dividends, helping you build financial confidence for education, one of the most important investments you can make.

Coverdell ESAs can be used for more than college and universities. They can be used for elementary, secondary, vocational, and special education schools.

A Coverdell ESA can pay for a wide range of educational expenses, including:

Tuition and Fees: Payments for enrollment or attendance at an eligible educational institution.
Books and Supplies: Costs for textbooks, notebooks, and other necessary supplies.
Technology: Expenses for computers, software, and internet access, if used primarily for educational purposes.
Room and Board: Costs for housing and meal plans, if the student is enrolled at least half-time.
Special Needs Services: Expenses required for a special needs beneficiary to attend school.

Start saving today for the special children and grandchildren in your life today. They will appreciate you giving them a head start.

Set aside funds for education
No setup or annual fee
Dividends grow tax-free
Withdrawals are tax-free and penalty-free when used for qualified education expenses¹
Designated beneficiary must be under 18 when contributions are made
To contribute to an ESA, certain income limits apply²
Contributions are not tax deductible
$2,000 maximum annual contribution per child
The money must be withdrawn by the time he or she turns 30³
The ESA may be transferred without penalty to another member of the family

¹ Qualified expenses include tuition and fees, books, supplies, board, etc.
² Consult your tax advisor to determine your contribution limit.
³ Those earnings are subject to income tax and a 10% penalty.