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Students & Young Adults

Whether you are heading to college, vocational school, learning to manage your own household or preparing for other life changes as a young adult, Midwest Community Federal Credit Union is here to help. We understand that every step can be a huge milestone and we look forward to providing resources for your success.


Now Available! College Access Counselor

Do you need help completing your FAFSA? Are you unsure of how to interpret your award letter?  Are you overwhelmed by the lingo of the financial aid world? Our College Access Counselor can provide personal, one-on-one consultation for all of your financial aid questions. Whether you’re a parent, high school student, or college graduate entering loan repayment, our counselor can walk you through the necessary steps to make smart decisions about paying for college – and beyond.

Undergraduate Students

Graduate Students

Refinance Student

Loan Debt

A great private loan option
to help you pay for
your complete education.
A private loan option to help
pay to further your professional and educational goals.
Consolidate all your private
loans into one payment making it easier to monitor your budget.
  • One application for your entire 4-year undergraduate college experience
  • No origination fees or administrative costs
  • Low, stable, interest rates
  • Borrow up to the full cost of tuition every year
  • Deferred payment-- begin paying the loan after you graduate
  • Flexible grace period before repayment begins
  • Affordable payment plans
  • .25% rate reduction for automatic payment
  • Optional release of co-borrower with on-time payments for 48 months
  • One application - no need to reapply each year, just log in and request funds for subsequent years
  • No origination fees, administrative costs, or prepayment penalities
  • Low, variable rates with 20-25 year repayment terms depending on loan balance, with graduated repayment available
  • Borrow a minimum of $1,000 to a maximum of $100,000*
  • Affordable repayment plans beginning at the end of the grace period, or six months after graduation or separation
  • .25% rate reduction for automatic payment
  • Optional release of co-borrower with on-time payments for 48 months
With our Student Loan
Refinance Solution, you can
refinance and consolidate both private andfederal student loans, setting up one convenient payment and potentially
lowering your rate*.
Refinance your private and/or federal student loans,
including PLUS loans, and
borrow from $5,000 up to $75,000**.
  • Great low rates
  • Easy online application
  • No origination fees
  • No pre-payment penalties
  • Rate discount for automatic electronic payment
*Subject to qualification and annual credit review.  

**Subject to qualification and additional criteria, including graduating from an approved school.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.


©, Midwest Community Federal Credit Union. All Rights Reserved.
08770 State Route 66, Defiance, OH 43512   Phone: (419) 783-6500   Fax: (419) 783-6550   ABA/R&T: 241278167  Institution NMLS#721511
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