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1-800-990-7499 | 1-315-733-1596

215 Old Campion Road, New Hartford, New York 13413-4953

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Student Loans

CU Student Choice - for undergraduate students

Anytime Access

University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at (Payments by mail should be sent to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.)


Personalized Support

If you have additional questions regarding your student loan account, or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with a servicing agent.

The cost of college continues to rise. The CU Student Choice Education Loan is designed to help you cover all of your college costs after you've exhausted all of your other financial aid options. These options include federal, state, and institutional grants and loans. With an easy online application, it's that extra financial aid you need for college without the hassle and headaches.

Some of CU Student Choice Education Loan benefits include:

  • No origination fees
  • Lower interest rates
  • Option to fully defer payments while in school
  • Flexible repayment options
  • Reduced interest rate during repayment when you choose automatic payments

To learn more and complete an application click here or call 877-342-4186.

Before applying for a Student Choice Education Loan, be sure to follow these steps:

  1. Fill out a Free Application for Federal Student Aid (FAFSA) form
  2. Find out what scholarships you may be eligible for
  3. Take the maximum amount of Federal Stafford Loans before you apply for the CU Student Choice Loan

Learn more about paying for college with the CU Student Choice Loan.

UGEFCU Consolidated Student Loans

Rate:  As low as 5.50% APR*
Limits:  $5,000 to $75,000
Late Fee:  $15 after 10 days late
Prepayment:  NO prepayment penalties
Eligibility:  Minimum of one year employment, proof of income, minimum credit score 640
Disbursement:  Statements or payoff letters required

*Annual Percentage Rate.  All rates are based on prime rate and credit history.  Prime rate stated in the Wall Street Journal as of 7/27/2023 is 8.50%.  Loans subject to credit approval.  Rates subject to change.


Who's eligible?
Undergraduate students enrolled at least half-time in a four year degree-granting program at a public or private non-profit school. Over 1,700 schools and campuses across the U.S. are eligible.

How much can I borrow?
Once approved, students can borrow from $1,000 up to the cost of attendance less any other aid received. The total amount the student can borrow throughout their college career is $75,000.

How quickly are funds disbursed?
Funds will be disbursed directly to the school, at the time the school specifies. The requested funds date varies from school to school. We will verify this date with the school.

How do I apply?
You can quickly and easily apply online for an instant approval and quote. If you have questions, please check out our detailed Frequently Asked Questions page or you can call our student loan representatives 24 hours a day, seven days a week at 877-342-4186.


Location & Credit Union Office Information:
215 Old Campion Road, New Hartford, New York 13413-4953

Office Hours:
Monday - Friday 7:30am-4:00pm

Drive-Thru Window Hours:
Monday - Friday 7:00am-4:00pm
24-hour drive-up ATM

Access to your account by phone,
24-Hours a Day, 7 Days a Week


Telephone: 1-315-733-1596
Toll-Free: 1-800-990-7499
Fax: 1-315-733-0228


Supervisory Committee: