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

Don't let the rising costs of higher education get you down. Whether you need to cover smaller expenses like books and meals or you need several thousand dollars to assist with tuition costs, we're here to help.

Our 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 Option: $500 to $3,0001
Cosigner Required? COPFCU 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 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


Need More Information?

Download these great materials.

CU Student H.E.L.P. Highlights
Financial Aid Planning Guide
FAFSA Facts Guide
FAFSA Website & Application
Financial Sources Guide
Credit Facts Guide

Please note that you will need Adobe Acrobat Reader 6.0 or higher to open the above documents. Click here to download the latest version of Adobe Acrobat Reader.


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. Cincinnati Police Federal Credit Union (COPFCU) 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.