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CU STUDENT H.E.L.P. LOANS

From textbooks to tuition, we've got you covered.

Kentucky Telco’s partnership with CU Student Higher Education Loan Program (CU Student H.E.L.P.) helps students fill the gap between the cost of attendance and traditional financial aid. With a CU Student H.E.L.P. loan, no payments are required while the student is enrolled at least half-time. Other benefits include a 12-month grace period after graduation and no penalty for prepayment.

Apply online today and receive an online decision in less than a minute. Or you can apply by phone at (877) CUEDLOAN or (877) 283.3562.

Undergraduate and Graduate Loans

Loan Minimum:	$500
Loan Maximum:	The Total Cost of Education for your school minus other financial aid, up to an aggregate lifetime maximum of $250,000.
Interest Rate:	Competitive rates exclusive to credit union members.
Loan Fees:	Competitive fees exclusive to credit union members.
Grace Period:	12 months after graduation.
Incidental Loan:	$500 to $3000¹
Option Cosigner Required?	Kentucky Telco encourages all loan applicants to apply with a creditworthy cosigner to increase their chances of approval and of obtaining a lower interest rate and/or loan fee.

Additional Program Features

Borrowers can apply online 24/7 and get an online decision in less than a minute
Cosigner is eligible for release during repayment²
Borrowers may receive interest rate reductions for auto-debit and on-time payments²
Level and graduated repayment options with forbearance up to one year, and
No prepayment penalties.

Borrower Qualifications

To be eligible for a Kentucky Telco CU Student H.E.L.P. loan, the borrower must be 18 (19 in Nebraska and Alabama, 21 in Puerto Rico & Mississippi)³ by the date of application, enrolled at least half-time in, or admitted to, an eligible institution and a U.S. citizen or eligible non-citizen holding a valid, unexpired USCIS form I-151 or I-551. Borrower must be making satisfactory academic progress.

APPLY NOW

CU Student H.E.L.P. is administered by CampusDoor. All loans are subject to credit approval. Lender is Lehman Brothers Bank, FSB. Equal Opportunity Lender. Kentucky Telco is compensated for the referral of private loan customers to the Lender.

¹The incidental loan can be a maximum of 30% of the requested loan amount, up to a $3,000 maximum loan amount, with a minimum loan amount of $500. Please note that if the Financial Aid Office reduces the loan amount at certification, the amount of the incidental loan may be reduced or possibly eliminated.
²Borrower benefits terms and conditions are subject to change.
³Mississippi residents under the age of 21 may borrow with written consent from a parent or guardian.