Get ahead of back-to-school stress
Handle education expenses without blowing your budget with personal loan rates as low as 7.24% APR1 with auto pay2.
One loan, endless possibilities
With a Back-to-School Lifestyle Loan, borrow for school supplies, technology, uniforms, and other education-related expenses. It’s an easy and low-cost way to manage your summer spending.
- Rates as low as 7.24% APR1 with auto pay2
- Borrow as little as $250 or as much as $50,000
- No payments for 60 days3
- Funds deposited directly to your Georgia’s Own checking account
Need to simplify your finances before school starts? Our Debt Consolidation Loan4 offers:
- Rates as low as 6.99% APR1 with auto pay2 and controlled payoff (we pay off your other debt directly)4
- No payments for 60 days3
- Cashback option of up to $1,000 more than the consolidated debt amount4
More straight-A financial tools
Student Access Checking
Our Student Access account offers checking and special benefits for members ages 13-17, who are starting out on their journey toward financial independence.
Student Visa®
Earn Flex Rewards points with each purchase you make and build your credit while you finish school.
Student Loans
Whether you’re a college newbie, a grad school boss, or just need to refinance, we’re here to help.
Offer valid July 1, 2026 through August 31, 2026 on terms 12 to 60 months. Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history and participation in applicable rate discounts. Your APR may vary based on several factors including term or individual creditworthiness and may be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Minimum loan amount of $250. Maximum loan amount of $50,000.
Payment examples include “as low as” rates with applicable discounts:
- Debt Consolidation Loan: A $1,000 loan at 6.99% APR for 12 months would have a monthly payment of approximately $86.52.
- Back-to-School Personal Lifestyle Loan: A $1,000 loan at 7.24% APR for 12 months would have a monthly payment of approximately $86.64.
Advertised rates and payment examples include a 0.25% auto pay discount. Debt consolidation loan payment example includes an additional 0.25% controlled payoff rate discount. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.
Member must establish auto pay on their personal Lifestyle Loan or debt consolidation loan from a Georgia’s Own checking account to qualify for 0.25% rate discount. Offer subject to change without notice. Employees are not eligible for auto pay rate discount.
No payment period is applicable to the first 60 days of the loan. Interest will begin to accrue as of the loan date. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.
Debt consolidation requires members to provide accurate payoff letters of consolidated accounts prior to loan closing. Accounts eligible for debt consolidation must be listed on the credit report and include the applicant’s name as a primary or joint owner on the account payoff letter. Consolidated debt is subject to controlled payoff to qualify for 0.25% rate discount. If loan proceeds for the consolidated debt are disbursed directly to the member, they will not be eligible for the discount. Up to $1,000 above the consolidated debt can be requested and disbursed directly to the member. Additional terms, conditions, and limitations may apply.
