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IMPORTANT NOTE:

Private education loan borrowers: This application is for a private student loan through Elements Financial Federal Credit Union. This is NOT a federal student loan application. Please exhaust all lower-cost sources of financial aid before applying for a private student loan.

You should always exhaust your federal aid options before applying for a private loan, because these loans are sometimes more difficult to obtain and can often end up being significantly more costly to you in the end. Private loans are designed to supplement federal loan programs. Private loans are also known as 'alternative loans' and the terms often vary considerably based on the lender and borrower credit histories.

Student loan refinance borrowers: This application is for a Elements Financial Federal Credit Union Refinance Loan. This is NOT a federal student loan application.

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