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Student Loans

Did your financial aid package come up short? Affordable loans can help bridge the tuition gap.

Tackle the high cost of higher education

What's it take to get into college these days? Good grades and hard work, for sure. But also a lot more money than many families have on hand. 

With finances covered, you can focus on your courses

You've earned this opportunity! And there's no reason why financial hurdles should block your way. At Foothill Credit Union, we connect college undergrads, graduate students and parents with loan programs that open classroom doors and make diplomas possible.

  • Loans provided in partnership with Sallie Mae®, a one of the nation's top education lenders
  • Competitive interest rates
  • Multiple repayment options
  • No origination fees
  • No prepayment penalty1


Loan Options

  • Smart Option Student Loan® for Undergraduate Students: For bachelor’s and associate’s degrees or a certificate at a degree-granting school. Learn More
  • Parent LoanSM: For parents or other creditworthy individuals who want to take responsibility for financing their student’s undergraduate, graduate or certificate education at a degree-granting school. Learn More
  • Graduate Loan Suite: Designed to meet the needs of students in specific fields of study. Learn More
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Hear What Our Members Are Saying

"Foothill Credit Union has been great! They have wonderful customer service within all the departments. I have experienced their loan department with no hassles at all. They also have great ideas to help with savings and financing."


- Carie N.

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Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Foothill Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.