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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


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
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
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
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
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush

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