The Source for Student Loans
Paying for higher education can be challenging. TCT Federal Credit Union helps students and families throughout Saratoga County, NY and beyond explore private student lending through Student Choice. If you’ve exhausted scholarships, grants, and federal loans, a private education line of credit may help cover remaining costs. With one application, eligible students can establish funding for their undergraduate education and request additional funds in future academic years without reapplying.*
Benefits of our solutions include:
- Available for undergraduate and graduate students
- Fixed and variable interest-rate options
- Flexible funding, even before college plans are finalized
- A potential 0.25% rate reduction with automatic electronic payments during repayment
- Multiple repayment and in-school deferment options
- Local borrowing through a not-for-profit credit union
*Subject to annual review and credit qualification. Must meet the school’s Satisfactory Academic Progress (SAP) requirements.
Plan for the Future with Our Competitive Student Loans
TCT Federal Credit Union offers highly competitive student loan rates designed to help make borrowing costs more manageable. We understand that every dollar matters when you're investing in your future, which is why we strive to offer financing options that can help minimize borrowing costs and make repayment more manageable over time. Our student lending options also include straightforward terms so students and parents can better understand their choices before applying. We take pride in providing transparency every step of the way.
Contact Our Local Credit Union to Get Started
We partner with Student Choice to offer student lines of credit and guidance. Whether you are attending a local college or a school across the country, our experienced team can help you explore available loan options and identify a solution that fits your educational and financial needs. If you’re a student or parent in Saratoga County or the surrounding areas, contact TCT Federal Credit Union to get started!
Resource Hub
With information ranging from college planning to advice on negotiating with a college for more financial aid, our hub is full of helpful, relevant information.
College Access Counselor
Whether you're a parent, high school student, or college graduate entering loan repayment, our College Access Counselor can walk you through the necessary steps to make smart decisions about paying for college – and beyond.
Contact an Undergraduate Student Loan Specialist at 877-230-4672
For servicing of existing undergraduate loans, contact UAS directly at 877-530-9782
How much should I be saving for college?
With college costs increasing at twice the rate of inflation, it is important to start saving early. Interest working for you now in a regular savings program is much better than having interest work against you in the future in the form of education loans. Use our college savings calculator to determine how much you should be saving for college on a regular basis.
Personalized Support
If you have additional questions regarding your student loan account or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 877-530-9782 to speak with a UAS servicing agent. University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at www.studentchoiceconnect.com. Payments by mail should be sent to the University Accounting Service, PO Box 5879, Carol Stream, IL 60197-5879.
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