CollegeBridge | Colleging

CollegeBridge offers a smarter, more responsible approach to student loans, prioritizing affordability, transparency, and flexible repayment options. Designed to empower students and families, CollegeBridge helps build a solid financial foundation for a successful future.

Borrowers of this loan program must become members of Y-12 Federal Credit Union.
Joining our Y-12 FCU Gives Foundation automatically qualifies you to become a Y-12 FCU member - and there is NO cost to you!

Our Loan Products

Undergraduate/Graduate - 4.00% - 14.70% Fixed APR**

CollegeBridge Private Student Loan

Repayment Terms: Up to 15 years

Repayment Options: $50 Monthly Payment While In School, Interest Only Repayment, Immediate Repayment

This fixed rate provides the security of a locked-in interest rate over the life of your loan.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

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Undergraduate/Graduate - 4.00% - 14.45% Variable APR**

CollegeBridge Private Student Loan

Repayment Terms: Up to 15 years

Repayment Options: $50 Monthly Payment While In School, Interest Only Repayment, Immediate Repayment

This variable rate loan provides a lower rate up front that could increase or decrease quarterly.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Parent - 5.10%* - 14.70% APR Fixed**

CollegeBridge Private Parent Loan

Repayment Terms: Up to 15 years

Repayment Options: Immediate Repayment, Interest Only Repayment

This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.

* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Parent - 5.10%* - 14.45% Variable APR**

CollegeBridge Private Parent Loan

Repayment Terms: Up to 15 years

Repayment Options: Immediate Repayment, Interest Only Repayment

This variable rate loan provides a lower rate up front that could increase or decrease quarterly.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.

* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING