Reminder: Your Elements Health Savings Account debit card remains active through September 22, 2025. After this date, it will no longer be available for use as part of the transition to HSA Bank. Learn more here.

Elements is currently experiencing issues with our call center. While we are unable to take calls at this time, please reach out to us using live chat at elements.org or send us an email at customerservice@elements.org.

Student Loans

Financing your dreams. Helping you reach your educational goals.

Apply Today Make a Loan Payment

Undergraduate Private Student Loan

Our private education line of credit fills the gap when you’ve exhausted all other lower-cost sources of aid.

For students attending most four-year public and private nonprofit schools
Covers cost of attendance: tuition, fees, books, room and board, other related expenses
School-certified, convenient line of credit allows for one application and multiple draw requests
Flexible repayment options during school and after graduation, including the option to defer payment while still a student
Fixed Rate and Variable Rate loan options

More Details
Or call 1-800-369-4250 Apply Online

Student Loan Refinance

No reason to make multiple loan payments when you can consolidate private and federal loans, including PLUS loans.

No more sending payments to multiple lenders
Refinance up to $125,000
Competitive variable interest rates based on credit score
Refinance your private or federal student loans, including PLUS, and Parent PLUS loans
Co-borrower not required, yet qualified co-borrower could result in lower interest rate
Co-borrower release with 48 months of consecutive monthly on-time payments
0.25% rate discount during repayment for automated electronic payments
Fixed Rate and Variable Rate loan options
Special Program: Student Loan Refinance for Nurses

More Details
Or call 1-844-207-9919 Apply Online

Graduate Private Student Loan

This graduate private education line of credit fills the gap when you’ve exhausted all other lower-cost sources of aid

For students exploring graduate school options
School-certified, convenient line of credit allows for one application and multiple draw requests
Borrow up to $100,000
Pay for your education-related expenses including tuition, books, housing, and more
0.25% rate discount during repayment for automated electronic payments
Variable Rate options

More Details
Or call 1-800-369-4250 Apply Online

Traditional Federal Student Loans

We're here to answer your questions

Even though you will apply for these loans through your school, our partners at Credit Union Student Choice are still here to answer your questions at 1-800-369-4250.

Getting Started

Managing Your Account

Managing Your Account

Payments + Programs

Payments

Managing Your Card

More Products & Services

Auto Programs

Specialized Programs

Deposit Rates

Loan Rates

Credit Card Rates

Commercial Product Rates

Popular Calculators

24 Hours a Day/7 Days a Week

Routing Number

Student Loans

Our private education line of credit fills the gap when you’ve exhausted all other lower-cost sources of aid.

No reason to make multiple loan payments when you can consolidate private and federal loans, including PLUS loans.

Graduate Private Student Loan

This graduate private education line of credit fills the gap when you’ve exhausted all other lower-cost sources of aid

Traditional Federal Student Loans

We're here to answer your questions

Members Also Viewed:

Related Products

Advice Articles