Student Lending

Student Loans

It’s your time to dream big.

Whether you’re just out of high school or choosing a new path in life, Opportunity is waiting for you in the classroom and beyond.

In-school undergraduate, graduate, parent and student loan refinancing available
Affordable rates and flexible terms
Trusted local lender
Plus, a discounted rate for auto payments

Learn more

Your future’s never looked brighter.

If you’re a returning borrower, click the button below to easily access your account.

Loans & Refinancing Options

Undergraduate + Graduate Loans

Flexible, affordable and full-featured—Cross Valley makes gearing up for college accessible for anyone.

Low fixed or variable interest rate options
No origination fees
Cosigner release after 36 on-time payments
Repayment terms of 5, 10 or 15 years
6-month grace period
0.25% annual percentage rate discount on auto-payments
Borrow anywhere from $3,000 to the cost of attendance as certified by your school

Apply today

We make the road to education wider.

Parent Loans

Cross Valley gives parents the Opportunity to help with the cost of your son’s or daughter’s tuition while they focus on their studies.

No origination fees
Low fixed or variable interest rate options
Repayment term of 5, 10 and 15 years
0.25% annual percentage rate discount on auto-payments
Borrow from $3,000 up to the cost of attendance as certified by your school

Complete your entire application in minutes on your phone, tablet or laptop or start on one device and finish on another.

Apply here

Student Loan Refinancing

Cross Valley offers the ability to consolidate, refinance and save on your existing student loans for added freedom and flexibility.

Low fixed or variable interest rate options
No origination fees
Cosigner release after 36 on-time payments
Six-month grace period
0.25% annual percentage rate discount on auto-payments
Borrow anywhere from $10,000 to $250,000

Refinance today

Mapping your future

Let’s create your college road map.

From planning your major and hitting your scholarship milestones, to saving and paying for college, fortune favors the prepared student. Our free college planning tool makes it easy for you to navigate the journey from high school to college and into adulthood with ease.

Start planning

You have the talent, we have the tools.

A better understanding of your student loan:

The Free Application for Federal Student Aid (FAFSA) is a form that students in the United States can fill out to apply for federal financial assistance for higher education. It’s administered by the U.S. Department of Education, and aims to determine your eligibility for various types of financial aid, including grants, work-study programs, and federal student loans.

Even if you think your family doesn’t qualify, you should complete this form before applying for a student loan.

The timing of when you have to start repaying your student loans depends on the type of loan and certain other factors. But in general, loan payments are required after you finish school or drop below half-time status.

Typically, there is a six-month grace period before you start repaying your loans (yay!) which allows you time to secure a job and plan your budget to include your loan payments. Once the grace period is over, you’ll receive monthly payment notifications.