We have amazing options for students and parents!

Everyone deserves a great education, so get help affording one for yourself or a loved one with United Financial. We offer easy repayment terms and low interest rates. Student loans are made in partnership with Salie Mae®, and can be used for a plethora of higher education options.

Making Education Happen

Whether you’re a student looking to pay for your degree, or a parent/family member looking out for someone else, we offer flexible student loans designed to meet your needs. See our options for undergraduates, medical students, graduates and law students! Co-signing can also be a useful option for qualified situations.

Affordable Rates

We do our best to go above and beyond for our community, offering some of the best rates in Michigan.

Flexible Terms

Choose from variable or fixed-interest terms. No two people are the same, and neither are our loans.

No Prepayment Penalties*

There’s no penalty for being proactive on your loan at United Financial.

Learn which loan is right for you

Smart Option Student Loans® for Undergraduate Students

Can cover up to 100% of the costs for a bachelor’s, associate’s, or professional certificate at a degree-granting school

“Parent of Student” Loan

Help your student afford their education by taking responsibility with a loan in your name.

Graduate School Loans

Pay for expenses related to pursuing a master’s or doctoral degree. There are also specific graduate school loans!

MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree.

Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.

Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.

Graduate School Loan for Health Professions

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan

Pay for your school and associated expenses as you study for your law degree.

Legal Text & Disclaimers

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. United Financial CU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

* Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


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