With a CompleteEd™ Loan, you benefit from all this:

• Interest rate savings
  • Low APR
  • Students get instant .25% APR savings with their credit union membership.
  • Sign up for automatic payments (or ACH*), get an additional .25% APR savings during repayment *
• Easy, secure online or phone application
• Free calls to Student Loan Specialists
• Convenient 24/7 online account management

Who can borrow money?

The student, not the cosigner, will be the borrower on the loan and must be a credit union member or willing to join one. However, a cosigner is required. It also may result in a lower annual percentage rate (APR) on the loan because the risk is reduced, due to the cosigner's credit history.

How much money can be borrowed?

A CompleteEd Loan amount is capped by the total cost of college attendance less financial aid received. Minimum loan amount is $2,500, maximum loan amount is $25,000 per academic year, less personal contribution, and private and Federal aid or loans received. Lifetime loan limit is $125,000.

Why a Certified Loan?

CompleteEd offers only school certified private loans, which typically means a lower variable APR than a non-certified loan. It also means less financial risk to the borrower because the funds are managed by the school the student is attending. The school certifies student status, identity, and eligibility, then the loan money is paid directly to the school. The loan covers up to 100% of tuition, fees, and books as well as room and board less any financial aid received.

How is an Non-certified Loan Different?

Non-certified private student loans are typically awarded based on credit history and a school’s lending limits. The loan is paid directly to the student and may be used to cover a number of college-related expenses. The borrower can ask for more than he or she actually needs for school. The danger is that students with a “spend now, worry later” philosophy may be tempted to use some of the money for things such as spring break trips.

What's the Best Way to Compare Private Loans?

When comparing private loans from several lenders, it helps to write down how various elements of each loan differ. Once you have everything laid out in black and white, it should be easier to make a decision about a lender.

Look at the total cost of the loan, the minimum monthly payment required, borrower rewards (for example, you may receive a lower interest rate if you sign up for automatic payments), grace periods, deferment rules, origination fees and prepayment penalties.The last important factor is APR. However, you won't find out your rate until you apply.

Ask an Expert

Our Student Loan Specialists have extensive college funding experience and can answer questions about Federal aid, CompleteEd student loans and more.

Call our Student Loan Specialists toll-free 1-800-798-1660, M - F, 7 a.m. - 5 p.m. Central Time.

Apply Now

It's quick - you'll hear back from us in just 60 seconds. And it's easy - our simple e-signature eliminates most of the paperwork many other student loans require. Plus, CompleteEd works with your school's financial aid office to certify your loan amount. So you save time.

* Discount applies while ACH is in effect. 3 consecutive non-sufficient funds will terminate ACH and cause discount to cease.

CompleteEd™ private student loans are originated through our partner University National Bank. After disbursement, CMG Student Lending Services, LLC, a member of the CUNA Mutual Group, assumes full ownership of all loans.