Paying for college is one of the biggest financial decisions students and families face—but it doesn’t have to be overwhelming. Whether you're preparing for your first semester or returning for another year, ALLIANCE is here to help make funding your education simpler, more affordable, and stress-free.

Smart Financing Through ALLIANCE
ALLIANCE offers private student and parent loan options designed with real families in mind. Our loans come with competitive fixed interest rates, no application fees, and flexible repayment terms to meet your needs—today and tomorrow.

Through our partnership with the Higher Education Servicing Corporation (HESC), eligible borrowers can access:

  • Low fixed interest rates
  • No origination or application fees
  • Multiple repayment options
  • Rate discounts for autopay and graduation
  • Cosigner release eligibility after consistent on-time payments
These loans are available for both undergraduate and graduate students, and parent loans are available for families who wish to support a student’s educational journey directly.

How Much Should You Borrow?
It’s easy to overborrow—but smart planning now can help avoid financial strain later. A good guideline: borrow only what you need, and aim to keep your total student loan debt lower than your expected first-year salary after graduation.

ALLIANCE encourages members to set a realistic budget and explore scholarship opportunities before applying. You can use our student loan calculator to estimate monthly payments and determine what’s manageable.

Why Borrow With ALLIANCE?
As a not-for-profit credit union rooted in your community, ALLIANCE offers more than just loans—we provide guidance. Unlike large lenders, we’re here to support your full financial journey, from your first student loan to post-graduation financial planning.
Benefits of borrowing with ALLIANCE include:
  • A simplified, member-first lending experience
  • Local service and support you can trust
  • Online tools to help you manage your repayment
  • Transparent terms with no hidden fees


Let’s Take the Next Step Together
Whether you’re a student, parent, or co-signer, the right loan can make all the difference. Visit alliancecutx.com to learn more about our private student and parent loans, review eligibility, and start your application today.