Unsecured Extra Credit

Let us assist you with your educational needs.

College is expensive but we can help with Extra Credit, our student line of credit. You can use Extra Credit to pay for tuition, books, room and board, and other education-related expenses.

Start your application and apply online today!

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For People Who…

  • Need funds for education.



  • Interest rates that are competitive with Stafford loans.
  • Borrow what you need when you need it.
  • Save time by applying just once.


  • Term is a 60 month draw period with a 120 month repayment period.
  • First 60 months the payments are interest only billed quarterly.
  • APR is variable based on Wall Street Journal Prime.

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How it works.

Find out how you and your family can pay for your education today.

  • Extra Credit is a joint line of credit with both a student and parent or guardian on the line.
  • Adult students with an established credit history may apply individually.
  • Minimum credit line amount is $2,500.

Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office



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