financing your future? let us help.
At Service 1st, we look forward to helping you plan for your future and get the money you need to pay for school. Whether you are getting ready to finance or re-finance student loans, we have a few options for you to explore.
Undergraduate/In-School Financing Options
- Federal Student Aid/Lending Options: Your first step will be to apply for financial aid made available through the federal government. Click here to learn more about Federal Student Aid and how to apply.
- Explore Private Student Lending Options: Once you've exhausted federal student lending options, if you still need additional funding to pay for school, you'll want to explore private student lending options. Service 1st, in partnership with Granite Edvance Corporation/Bank of Lake Mills and Sallie Mae, wants to help you achieve your goals!
Granite Edvance Corporation and Bank of Lake Mills!
Service 1st teamed up with Granite Edvance and Bank of Lake Mills to offer you student loan financing opportunities. Getting started is simple. Once you select the link. You'll be asked to complete a brief survey so you can be matched with the loan option that best meets your needs.
Smart Option Student Loans®**
Whether you’re an undergraduate or parent, get money for school from Sallie Mae®! Student loans from Service 1st in partnership with Sallie Mae® could help! Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents. Click here to learn more and apply.
Consolidation/Re-Financing Options
Debt Consolidation/Re-Financing Managing your student loan debt is important. Consider consolidating your student loan debt with a competitive rate!
Service 1st is working with Granite Edvance and Bank of Lake Mills to offer you student loan re-financing opportunities. Click here to begin.
additional resources
Wondering what materials you should have on hand to get started? Click here to view a list of items you'll want to gather to help you prepare whether you are financing or refinancing.
For assistance when applying for Granite Edvance loan products, please call their member service line at 717.249.8800 anytime between 8:00 am and 5:00 pm.
for more information
Find more information, select the Let's Talk icon below to chat with a Service 1st team member.
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. Service 1st Federal Credit Union 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.