Student Loans

Student Loans

A Better Way to Pay for College

Sometimes financial aid and scholarships just aren't enough. A Student Choice Loan is a great way to fill the gap. Before applying for a Student Choice loan, it’s a good idea to have the following steps completed first:

  •  Fill out your FASFA – the Free Application for Federal Student Aid should always be filled out as early as possible, but it’s not too late to get yours finished. Even if you think you won’t qualify, fill out the FASFA because most grants and federal loans will require a completed application on file. In most cases, financial aid is given on a first-come first-served basis. Applying early means you’ll have the best shot at the most financial aid possible. Even if you’re a little late this time, plan to apply as early as January 1for next year. For more information visit: www.fafsa.ed.gov


  • Apply for scholarships and grants first – Look for “free money” first. High school counselors and college financial aid offices are great resources for information about scholarships and grants.


  • Apply for federal loans – After applying for scholarships and grants, get your federal student loans (Perkins and Stafford) which are typically the least expensive and safest loan option. Federal loans should be considered before applying for alternative funding.


  • Evaluate alternative loan options – Most students will need additional funding, so after you’ve exhausted federal loan options consider a private loan such as our Cinfed Credit Union Student Choice Loan.

It’s important to compare loan details to make sure you’re getting the best deal on your student loan. Interest Rates, Fees and Repayment – Interest rates and fees vary greatly between lenders. Look for a loan with zero origination or prepayment fees, low interest rates and flexible repayment options like our Cinfed Credit Union Student Choice loan.

For more information and to apply for a Cinfed Student Choice Loan visit: http://cinfed.studentchoice.org/



Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin

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