About Us

We Give Student Lending More than the Ol’ College Try

cuLearn is a network of credit unions working together to help students and their families borrow responsibly for college while making the process positively painless.

At cuLearn, we help you connect the dots between choosing a college and paying for it. And because there are a lot of dots to connect, we’ve done the legwork – and homework – for you.

We give you access to online tools, information and resources you need before, during and after taking out a student loan, like:

  • Understanding college loans
  • How to be wise with money during the college years.
  • Reminders of what steps to take and when to take them
  • Different types of college funding options.

We also connect you with cuLearn credit union partners who offer smart private student loan and refinancing options.

Did you know?

Unlike banks, credit unions are not-for-profit and owned by the people who use their services. That means any profits they make are returned back to their members in the form of reduced fees, higher savings rates – and lower loan rates.

Why cuLearn?

For students and their families who want to go to college without drowning in debt, The cuLearn network of credit unions provides the unique benefits of working with credit unions and helpful tools and resources to help you plan and pay for college responsibly.

You’ll read about private student loans and refinancing on this site — available to credit union members. But even if you are not yet a credit union member, you may benefit from using the information and resources on this site to reduce borrowing and spending, to decide whether to borrow from a bank or a credit union, and to help determine whether to refinance or consolidate your loans.  

Our mission is to help students think differently about planning for college. We want you to do it right. Right now. Let’s get started.

College Finance Stories

Jill Cole

 “As a parent, before you a take out or cosign any loans to help fund your child’s education, understand who is responsible for paying off the loan. When I began the journey of paying for college with my second child, I learned that if I have multiple children in college, I receive less federal aid per child, not more. My daughter’s private college suggested we take out loan. They misrepresented the loan’s details, creating an impression that both my daughter and I were cosigners. This is not the case. The loan is made out in my name alone. Now, despite our agreement, my daughter is not willing to pay for the loan. If I didn’t have a good job and a good partner, this mortgage sized monthly loan payment would be financially devastating to my future.”

- Jill C.

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“I kept on top of my finances in college by getting an on-campus job right away. I didn’t know that there were so many opportunities on almost every campus to find work. The money I earned from my on-campus job was able to give me a financial cushion. This gave me the flexibility for money on the weekends or going out to eat.”

- Kyle F.

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“Now that I have graduated from college and have begun making student loan payments, I realize I had very little prior knowledge about interest rates and the benefit of making monthly interest payments during my four years in school. I wish I would have visited a financial advisor at the University’s Financial Aid office even just a once a year to touch base on the current status of my loans, learn about various financing options, and gain advice for repayment plans upon graduation.”

- Gracia J.

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“One thing I wish our family had done better before my boys went off to college was for them to have a conversation with our financial expert, just to have someone other than Mom or Dad explain how taking out a loan works, the importance of scholarships and grants, or the value of a part-time job during the school year. It’s important to keep students in the loop of how things are paid for while they are in school.”

- Kris W.

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“When I first started college, I would go out to eat with new people or would get coffee with them. I spent a lot of money just trying to socialize and make new friends. Looking back, I should have tried to think of free things that we could have done, like going for a walk, or cooking our own food.”

- Victoria M.

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