
Student loans
Take out a student loan
When you take out a student loan with Thrivent Credit Union, you're creating a plan to pay for your first-choice school. This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.

Confident student looking away with arm raised
Confident young male student looking away while sitting with arm raised amidst friends in classroom against window at community college
Apply for a fixed rate loan if you:
- Are planning for one year of expenses at a time.
- Will be able to pay off the loan in a shorter period of time.
- Want a level payment.
- You can borrow up to $80,000.
- Your funds will be distributed to your school each year (Note: most schools split the funding between fall and spring semesters).
- If you don't make loan payments while in school, you'll have up to 15 years to repay the loan. However, we encourage all students to make room in their college budget for loan contributions.
Start an application
View current rates and repayment terms.
See answers to our frequently asked questions.
Get a status update on a current loan.
Student loan path
1. Start early
Begin preparing to fund your education early through savings and scholarships.
2. Estimate your needs
Determine your eligibility for financial aid by filling out the
Free Application for Federal Student Aid (FAFSA). Then, review award letters and tally grants and work-study options.
Leaving TCU
You are now leaving Thrivent Credit Union's website. Deposit and lending services are offered by Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
3. Learn about private loans
Figure out how much you need to fill in the gap for your first-choice school and review TCU Private Student Loan options.
4. Consider credit
Depending on your needs, consider taking out a line of credit to help fund your schooling.
5. Apply
The TCU online application process only takes a few minutes.
1. Start early
Begin preparing to fund your education early through savings and scholarships.
2. Estimate your needs
Determine your eligibility for financial aid by filling out the
Free Application for Federal Student Aid (FAFSA). Then, review award letters and tally grants and work-study options.
Leaving TCU
You are now leaving Thrivent Credit Union's website. Deposit and lending services are offered by Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
3. Learn about private loans
Figure out how much you need to fill in the gap for your first-choice school and review TCU Private Student Loan options.
4. Consider credit
Depending on your needs, consider taking out a line of credit to help fund your schooling.
5. Apply
The TCU online application process only takes a few minutes.

Woman working from home during lockdown
Woman sitting at table working on laptop at home. Young afro-american woman working from home during pandemic lockdown.
How to take out a student loan
- Complete FAFSA and identify your funding gaps.
- Review
the list of information you need handy before you apply. - Apply for the loan that best meets your needs.
- Receive conditional approval.
- Provide required follow-up information.
- Receive verification from school.
- Receive final approval letter with amount and disbursement date.
Get help
We strive to put you at the center of everything we do, no matter where you are. Please choose from the following options.
For questions about our student loan products or becoming a member of the credit union
For questions about a loan that you have already applied for.
For questions about a loan you are repaying.
All loans and lines of credit are subject to credit application, qualification and approval and may not be available in certain schools or certain jurisdictions. Must qualify for membership.