Student Loans & Refinance
Whether you (or your child) are going into your first year of college or are well into your journey as a student or graduate, 3Rivers has solutions and resources to help you at every stage.
We want you reach your current and your future goals and are happy to support you along the way! We can help you with customized scholarship searches, assist you in navigating your financial aid options, discuss your student loan refinance options, and more.
We go beyond simply helping you cover the costs of college by getting to know your goals as a student exploring college and career options best suited for your wants and needs—in addition to helping you navigate your college funding options so you can make informed decisions that benefit you now and down the road.
Your Financial Journey
Youth Savings Account
Livin’ Free Savings Account
Hey Livin’ Free Checking Account
After High School
Own a Car
Shared Branch Network
Own a Home
Student Loans & Refinancing
New Student Loans
- Borrow from $1,000 up to the school certified cost of attendance1
- No origination or early payment fees
- Flexible repayment
Pay it back now or later
No payment is required while you are in school at least half-time or in your grace period.
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1 3Rivers reserves the right to approve a lower loan amount than the school-certified amount.
Information advertised valid as of 12/31/2017.
WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK 3RIVERSFCU.ORG FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.
Refinance Your Existing Student Loan
Paying Off Your Student Loans
Whether you’re looking to lower your monthly payments or get debt-free sooner, we may be able to help by refinancing your student loans.
How Much Could You Save By Refinancing?
Wondering how much you could save by refinancing your student loans? Check out these resources to get an estimate.
- Student Loan Refinance Calculator
- Average Monthly & Total Savings
- Read the Private Education Loan Application and Solicitation Disclosure
Three Easy Steps:
- Apply Online
- Choose Your Rate and Terms
- Upload Documents & Sign
Opening a checking or savings account as a student is a great way to begin managing and growing your money. Banking with 3Rivers is a great choice for students! We offer perks like no-fee checking accounts, higher dividends, and all of the technology
you need to do your banking on-the-go.
Leaving for school (or spring break)? No problem! We go where you go. Our online and mobile banking options, along with our nationwide shared branching and shared ATM network, make it easy to manage and access your money anytime, anywhere.
Start your Checking/Savings Account
Opening an account and becoming a 3Rivers member is easy! Click on one of our checking or savings options below to get started.
529 College Savings Plan
We also offer 529 College Savings Plans – a flexible and low-maintenance way to save for your child’s (or even your own) college costs!
When it comes to paying for school, grants and scholarships should be the first option you consider – it’s free money you don’t have to pay back! We highly encourage you to seek out these options in addition to federal aid to cut down on the costs of your college experience. Here are some resources for grants and scholarships in our area.
Indiana Workforce Ready Grant
The Workforce Ready Grant pays the tuition and mandatory fees for eligible high-value certificate programs at Ivy Tech Community College, Vincennes University or other approved providers. The grant is available for two (2) years and covers up to the number of credits required by the qualifying program.
Indiana 21st Century Scholarship
Earning the 21st Century Scholarship provides students up to four years of undergraduate tuition* at any participating public college or university in Indiana. If you attend a private college, the state will award an amount comparable to that of a four-year public college. If you attend a participating proprietary (for-profit) school, the state will award a tuition scholarship equal to that of Ivy Tech Community College of Indiana.
Indiana T.E.A.C.H. Scholarship
Scholarship opportunities to obtain a Child Development Associate (CDA), other certificates, or an Associate’s or Bachelor’s degree are available for individuals working in licensed, registered or Child Care Development Fund (CCDF) certified child care programs, in Indiana, through the T.E.A.C.H. Early Childhood® Indiana project.
Each year, 3Rivers offers a contest in which applicants have the chance to win a scholarship to help pay for school. The entry process consists of filling out an online application and writing an essay. Our scholarship contests run each year, in late spring.
Resources & Learn
Teens and twenty-somethings who are busy gathering a wealth of knowledge in the classroom are also often in a season of learning about their own finances for the first time. From budgeting and saving, to student loans, and more, managing money on top of being a student can feel overwhelming. We’re here to help you (and your parents) make sense of your options and navigate your financial journey during this chapter of your life.