At Breakwater Federal Credit Union, we believe your future should feel possible, not overwhelming. That’s why we’ve partnered with CU Student Choice to connect our members with responsible, credit union–funded student loan options.

Whether you’re heading off to school, finishing your degree, or looking to refinance, this program is designed to help you move forward with confidence and responsibly cover the costs of higher education. 

Flexible Options Built for You

From your first semester to your final payment, the Student Choice marketplace offers flexible options and support that stays with you, wherever you go. Select student loan and refinance options that support your unique journey every step of the way.

Here’s what that means for you:

• Options for undergraduate and graduate students, as well as college grads looking to refinance existing student loan debt
  
  
• Competitive fixed and variable interest rates
  
  
• A line of credit structure for in-school loans, offering multi-year approval with just one application*
  
  
• Flexibility to secure funding even if you haven’t finalized your college plans or know how much funding you will need
  
  
• Possibility of a 0.25% rate reduction when enrolling in automatic electronic payments during repayment
  
  
• Multiple repayment options, including in-school deferment
  
  
• Borrow with confidence with support from Breakwater, where being a not-for-profit, member-owned credit union has meant putting our community first since 1952.

*Subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements.

The Credit Union Difference

When you borrow through Breakwater’s Student Choice program, you can explore flexible options with trusted guidance every step of the way.

As part of the Breakwater community, you’re never navigating it alone. We’re here to help you make informed decisions, build confidence, and move forward with purpose. Because we believe when people come first, communities grow stronger.