Private Student Loan Options to Help You Reach Your gOals

Student loans from Arizona Central Credit Union in partnership with Sallie Mae® could help!

Sallie Mae® Higher Education Loans

Looking for an education loan that’s designed for the needs of all types of students? Student loans from Arizona Central Credit Union in partnership with Sallie Mae® could help!

Get ready for your next move with undergraduate, graduate, and career training loan options.

  • Competitive variable and fixed interest rates
  • No origination fees; no prepayment penalty1
  • Multiple repayment options

Borrow Responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

Explore our tips for paying off student loans.

These loans are made by Sallie Mae Bank. Arizona Central Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1. Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

©2025 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the

trademarks or service marks of their respective owners. SLM Corporation and

Student Loan FAQs

Yes, you can refinance both private and federal student loans.

A decision to refinance your student loans can depend on your personal financial situation. Refinancing your student loans can help you save money with lower monthly payments.

Refinancing your student loans starts with determining if it is in your best interest as you will need a strong credit score to qualify for low rates. If you qualify and have chosen a new lender, they will pay off the existing lender and you will make monthly payments at this new rate. Learn more on how to refinance your student loans.

The time to refinance student loans is when you are in a strong enough credit and financial situation to qualify for low rates on the payments.

Student loan consolidation allows you to combine multiple federal education loans into one easy and convenient loan, known as the Direct Consolidation Loan. It is important to understand if you meet the eligibility requirements before you decide to consolidate or refinance student loans.

Consolidating your student loans can be a useful strategy to help manage your debts better. However, this method may not be suitable for your current situation.

You should consider consolidating your student loans when:

  • Monthly payments are too much to handle
  • Switching from a variable-rate to a fixed interest rate
  • You don’t qualify for federal benefits

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