1. Find your rate, and submit an online application. Upon submission, you will be prompted to verify your information, and to create or log in to your existing account. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Apply for membership,1 if you are not an existing Harvard FCU member. This step must be completed in order to advance your application. Click here to join Harvard FCU

Due to the cooperative banking structure of credit unions, you must be an Harvard FCU member to obtain a loan. Please visit harvardfcu.org/membership to learn about membership, and to submit an online application. Pay close attention to notifications from Harvard FCU in case we need more information for your account. Applications take 2-3 business days to process.

3. Upload Supporting Documentation. This may include identification documents, payoff verification for your student loans, and other requested documents. Please check your online account for specific documentation requirements.

4. Configure your Loan. Once all provided documentation has been processed, you will receive an e-mail instructing you to log into your online account to select your repayment term.

5. Sign your Loan Documents. Your Approval Disclosure and Promissory Note will be generated for signature after you configure your loan. Signing and submitting documents electronically will expedite the loan process.

6. Review your Final Disclosure, which includes the final terms of your loan. You will receive a notification when your disclosure is ready for review. You will have the option to waive your Final Disclosure Receipt period, which will expedite your loan disbursement.

7. Loan Disbursement. Funds will be sent to your current loan servicer(s) to pay off your education loans. Continue satisfying payments with your current servicer(s) until your receive confirmation that your loans(s) have been paid in full to avoid delinquency.

Note: If you are unable to sign your documents electronically, you may sign your documents at a credit union branch by scheduling an appointment, or in the presence of a U.S. notary. Electronic copies will be accepted, and should be uploaded to your account for processing. For notarized documents, each signature must be witnessed and explicitly acknowledged by a notary. One notary seal is required with proper acknowledgement of each document and signature.

1. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.