Student Loans

Student Loan

Let us help you pay for college and achieve your dreams! Our private student loans offer competitive variable and fixed interest rates– and based on your academic history, you may even qualify for lower rates! Complete your application online in 15 minutes!

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Student Refi Loan

Refinancing your student loans with Bay Atlantic could help lower your monthly payments and your interest rate! With flexible rates and terms, and rate discounts on automatic payments, we can help you simplify your finances. Take control of your student loan!

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NJCUF Scholarship

The New Jersey Credit Union Foundation scholarship is an award of $1,000 to be paid jointly to the winning student and the student’s chosen accredited educational institution.

To review your eligibility and the application process, please click here to view a PDF of scholarship overview and application.

All applications must be submitted to Bay Atlantic FCU no later than Monday, June 1, 2020. Applications must be completed entirely, signed by the student and their parent/guardian, and include:

  • An official high school transcript* that includes a cumulative GPA of completed marking periods as of date of submission. GPA must be NON-WEIGHTED on a 4.0 scale.
  • The completed Teacher Reference portion of the application (see page 4). It must be competed and signed by one of the applicant’s teachers.

If you have any additional questions, please feel free to contact BAFCU directly at

*In light of the Covid-19 Pandemic, students may submit EITHER their transcript OR their senior year report card/grades (full year)