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Kinecta Private Education Loan

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School Selection

What if my school is not listed?

There are two reasons why your school may not be listed:

  • You may be searching under the wrong name. Please try searching under the formal name (e.g. USC would be University of Southern California)
  • Your school is not eligible to participate in the program you have selected
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School Information:

Application Requirements

Can I use my loan for expenses other than tuition?

Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

  • Tuition and school fees
  • Books and school supplies
  • Lab fees
  • Room and board
  • A computer
  • Transportation to and from school

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    Depending on your situation, a cosigner may improve your approval chances or may be required altogether.

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    Why does a cosigner help?

    Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of passing the initial credit review. Most students will need a cosigner to qualify.

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    To be eligible for this loan program, the student must be a member of Kinecta Federal Credit Union. If the student is not currently a member, (s)he must become a Kinecta Federal Credit Union member before the funds may be disbursed. To become a Kinecta member, please go to the  Kinecta Member Application.
    A valid membership ID is required before any funds may be disbursed.

    Enrollment Information

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    Start DateEnd Date
    • The academic period may not exceed 12 months.
    • Your 'Start Date' cannot be more than 6 months in the future.
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    Your expected graduation date must be on or after your academic period end date.

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    What is cost of attendance?

    Cost of attendance (COA) is an estimation of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan, as determined by the school.

    Please keep in mind that COA may vary by student due to a number of factors, including:

    • Residency status (Are you paying in-state or out-of-state tuition?)
    • Type of academic program (Are you an undergraduate or graduate student?)
    • Housing status (Are you living on or off campus?)
    • Number of hours enrolled (Are you enrolled full-time, 3/4 time or 1/2 time?)

    Where can COA be found?

    Check these sources:

    • Your school's financial aid materials including its website
    • Your school's financial aid office
    • Your financial aid award letter
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    What is estimated financial assistance?

    Estimated financial assistance includes the total dollar amount of grants, scholarships, work study and federal loans (Stafford, Parent PLUS, Grad PLUS, Perkins, etc) a family receives to fund a student's education for one academic year.

    Where can estimated financial assistance be found?

    If you have received an award letter from your school, the estimated financial assistance should be included there. If you have difficulty determining your estimated financial assistance, you may want to contact your school's financial aid office.

    Requested Loan Amount

    Enter the amount of money you need to borrow and make sure it is within the minimum and maximum loan amount range. This range is based on a number of factors, including your school and loan type.
    As you determine the best way to finance your education, you should consider the full range of student financial aid options available to you. Private loans are often used to supplement federal student loans, when federal loans are not sufficient to cover the full cost of education.

    Can I use my loan for expenses other than tuition?

    Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

    • Tuition and school fees
    • Books and school supplies
    • Lab fees
    • Room and board
    • A computer
    • Transportation to and from school

    How much can I borrow?

    The minimum and maximum you can borrow for the upcoming semester/academic period is determined by the school you are attending, the loan type you selected and your state of residence. You must select an amount for the upcoming semester/academic period that is within the approved range.

    What is Cost Less Aid?
    Cost Less Aid simply means that you can borrow up to the cost of attendance for your school minus any other financial aid that you may be receiving. Don't worry if you do not know yet how much other aid you may be receiving; your school will verify that you are not requesting more money than you actually need.
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    The amount you are requesting for the upcoming semester/academic period.
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    Additional Help
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    Help Topics

    What factors are used in the initial credit review?

    How much can I borrow?

    What happens if I default on my loan?

    Is there a penalty for pre-payment or paying the loan off early?

    In order to apply for a loan, do I need to know what school I'm attending?

    Keep in mind

    Make sure you're prepared with this information before you apply:
    Know what you need
    Not Sure? Use our
    College Cost Calculator
    Exhaust other funding first
    Let us help fill the financial gaps after you've applied for Grants, Scholarships, and Federal Aid
    Apply with a qualified cosigner

    It can make a big difference
    -see why
    Frequently asked questions
    Glossary and Terms

    Have questions?

    Contact us at:

    866-272-0433




    The lender for this program is Kinecta Federal Credit Union. Member NCUA, Equal Opportunity Lender.

    Kinecta Federal Credit Union reserves the right to change or discontinue this Kinecta Private Education Loan program without notice.
    Kinecta Federal Credit Union may sell your Kinecta Private Education Loan to a third party only if the purchaser agrees to honor all of Kinecta Federal Credit Union's promises to you, including all promised borrower benefits that you will receive or might become eligible to receive during the loan repayment period.

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