Student loans that have your back
Whether you’re starting school or finishing strong, we offer student loans and private student loans to help you fund your education with smart, flexible financing.
Here’s what we offer
We’re committed to supporting our community’s future, including helping students in Rockland and Bergen County achieve their academic dreams.
Student Loan
Financing your education should be simple and rewarding. Our student loans make investing in your future easier.
- Get a loan that fits your budget with competitive rates
- Enjoy a 0.25% interest rate reduction with automatic payments
- Save with no origination fee
- Potential to release your loan cosigner after meeting repayment requirements
Student Loan Consolidation
Simplify student loan repayment when you consolidate your loans with us.
- Combine multiple loans into one for a single monthly payment
- Potentially lower your overall interest rate
- Choose a repayment plan that fits your budget
- Save with interest rate discounts for automatic payments
“Great experience, straightforward paperwork and very responsive staff.”
- Paul H.
- Palisades CU Member
What sets us apart
Our loans are tailored to your needs, featuring straightforward terms that make life easier.
Borrow what you need
Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.
Release your cosigner
After 24 consecutive on-time full principal and interest payments, your cosigner can be released from your loan.
Use your loan for any qualified educational expense
Including tuition, room & board, books, and even computers.
Zero origination fees
Why pay to process your loan application?
Learn, grow, and thrive
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Student Loan FAQs
Common questions about our student loans.
What’s a cosigner?
A cosigner is a creditworthy parent, grandparent, guardian, or other adult who’s willing to assume legal responsibility for the loan liabilities along with you. A cosigner must be a U.S. citizen or permanent resident.
What documentation is required during the application process?
If you’re conditionally approved, you may be asked to provide a government-issued ID, a transcript or other proof of enrollment, and copies of your two most recent pay stubs.
How much can I borrow?
At minimum, you can borrow $2,000. The maximum you can borrow is the certified amount determined by your school which is up to $120,000 for undergraduate students and $160,000 for graduate students.
How long does the application process take?
It may take 2-4 weeks from the time the application is submitted until your school receives your funds, but it can take less or more time in some cases.
Can I pay my loan off early?
You can! There are no prepayment penalties, so you can pay off your loan early and save on interest.
Current student loan rates
| Product | Rate |
|---|---|
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
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We’re in your corner
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