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Undergraduate and Graduate Student Loans
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Fill in the gaps from federal funding
College is an enormous investment of time, resources, and money—and federal funding doesn’t cover everything. If you’ve exhausted your options for scholarships, grants, and federal loans, a student loan from Georgia’s Own is a perfect choice. We offer private undergraduate and graduate student loans, refinancing, and more.
Undergraduate Student Loans
You shouldn’t have to sacrifice your education because of finances. With an undergraduate student loan from Georgia’s Own, you’ll get the funds you need and features you want, including low rates and a convenient line of credit structure—allowing you to secure financing for your entire college career.*
Graduate Student Loans
Furthering your education is a monumental decision—and you deserve a hassle-free loan solution so you can focus on what’s important: your classes! Our graduate student loans are the perfect option to fill in federal funding gaps, all while receiving a great deal from a not-for-profit lender you can trust, plus competitive rates.
Student Loan Refinances
It’s time to take control of your financial freedom. By refinancing and consolidating your private and federal student loans, you’ll have one monthly loan, one manageable payment, and excellent rates—and a quicker route to becoming debt-free.**
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Details & Disclosures
*Subject to credit qualification and annual credit review. Must meet school’s Satisfactory Academic Progress (SAP) requirements. Approved schools subject to change without notification.
**By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.
Points:
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at