Routing Number: 242077338Call or Text 513-562-6600

Let New Horizons Credit Union and LendKey help you pay for college to achieve your dreams. Apply with us today! *View Terms and Conditions

Variable Rate
3.50%–8.52% APR
(with autopay ‡View Conditions for Autopay Discount)


Borrow What You Need

Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.

Competitive Interest Rates

Based on your academic history, your rates may be even lower.

Release Your Cosigner

Give more flexibility to your cosigner by releasing them from your loan after making 24 consecutive on-time full principal and interest payments.

15 Minutes & Done

Complete your entire application online in under 15 minutes.

0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate.

Cover Your Education Costs

Use your loan for any qualified educational expense including tuition, room & board, books, and even computers.

Are You Eligible?

In addition to New Horizons Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You've reached the age of majority in your state.
  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You're enrolled at least half-time at an eligible school.
  • You have a GPA of at least 2.0.
  • You meet the Satisfactory Academic Progress standards as defined by your school.
  • You're a member of New Horizons Credit Union (or willing to join during the online application process).
No Origination Fee — Why pay us money to process your loan application? We'll never charge you any origination fees.
Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
Flexible Payment Options — Multiple in-school payment options to select from, including interest-only and $25.00/month payments.

* Terms and conditions apply. Your initial rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state and from an eligible school (enrolled on at least a half-time basis), and meet New Horizons Credit Union's credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from New Horizons Credit Union, you must be a member of New Horizons Credit Union. If you are not a member of New Horizons Credit Union, you may apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. All private student loans from New Horizons Credit Union must be certified by the applicant’s school, and New Horizons Credit Union reserves the right to reduce the loan amount or withhold funding based on the school certification or in the event the school does not certify the loan, respectively.

Cosigner release is subject to lender approval. In order to qualify, the borrower, alone, must meet the following requirements: (1) make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower's credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults.

If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.