Custom Loan Program for Students attending an

Energy Trade School

Need Assistance?

For assistance with opening a new private education loan, please call:

Key Features of Our Program

  • Rates as low as 7.49% APR*
    • 0.25% rate discount for optional enrollment in automatic electronic payment during repayment
  • Available to U.S. citizens and permanent residents
  • Flexible repayment options, including full deferment of payments while in school
  • 3, 5, or 7 year repayment period – or repay early at anytime with NO penalty
  • A loan from a not-for-profit credit union - a lender relationship you can trust

Borrowing Limits

Students can borrow from $1,000 up to $45,000. Please note, co-borrowers may only sign on multiple loans up to $50,000.



Return to finish an existing application

Interest Rates

Fixed Rate

The Annual Percentage Rate (APR) for our undergraduate private education loan is fixed1 for the life of the loan.

The current offered rate2 will be between 7.49% and 16.49% APR


Rate Disclosures

  1. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or coborrower (if applicable).

  2. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy coborrower which may result in a better chance of approval and/or lower interest rate.

*If you set up auto-payments through the loan servicer, you may further reduce your rate by 0.25% when you select full repayment of principal and interest while in school or during the repayment period. However, the rate will not be reduced below any floor rate.


Frequently Asked Questions

Students enrolled or enrolling in a Lineman, Propane, HVAC, Energy, Wind, or Renewable program at the following schools:

  • American Career Training LLC
  • Global Power Line Academy (PA)
  • Elite Lineman Training Institute
  • Lineman Institute of the North East
  • Lineman University
  • Midwest Line College
  • North American Lineman Training Center
  • North Carolina Technical Education Center (NCTEC)
  • North Country Heavy Equipment School
  • Northwest Lineman College
  • Pennsylvania Petroleum Association Technical Education Center (PPATEC)
  • Southeast Lineman Training Center
  • Wind Academy

Available to U.S. citizens or permanent residents.

Please see the interest rates section.

  • 0.25% rate discount for optional enrollment in automatic electronic payment during repayment

While in school, you may choose to:

  • Make interest-only payments
  • Defer both principal and interest
  • Make full principal and interest payments

Once your three (3) month grace period ends, your loan will enter repayment based on the terms outlined below.

The repayment term is either 3, 5, or 7 years.

Apply now or call 844-654-5658 - representatives are available 24 hours a day, 7 days a week to answer your questions.



Standard Application and Funding Timeline:

Private student loans often require a long processing time, due in large part to submitting and reviewing the necessary documentation and waiting for the school to certify the requested loan amount. Please review the timeline carefully so you know what to expect!

(NOTE: You will receive timely e-mail updates throughout the process.)


The information below is presented in a tabbed format. Use the tab and enter keys to move between tabs and any links presented below.


  • Normal Timeline: From as little as 20 minutes up to 3 business days [depending if you can provide all the necessary information for the student borrower and co-borrower (if applicable) at the time of application]
  • Information You’ll Need to Successfully Complete the Application:
    • Personal Info (such as name, date of birth, social security number)
    • Personal info for your reference (reference cannot be co-borrower)
    • Sufficient income information for either the borrower or co-borrower (if applicable)
    • School enrollment information
    • Amount needed for your current school term
    • If applying with a co-borrower, you’ll want to have them present. The co-borrower will also need to provide the same type of personal information as the student borrower. If they cannot be present, you should have their primary email address on hand - we'll send them a notification to input their information.
  • Credit Union Membership Information: You do not need to be a member to start the application, but the borrower and co-borrower (if applicable) must be a member of the credit union before you can receive funding. Visit the Utilities Employees Credit Union website for membership information.
  • Questions: For more questions and answers about our funding solution, check out our Frequently Asked Questions. If you need assistance completing your application, feel free to give us a call at 844-654-5658 24 hours a day, 7 days a week.


  • Normal Timeline: From 5 to 15 business days. The most common delays in this process involve the need to submit additional documentation that is needed for the verification process. To streamline the process, use the document submission option through “My Account” and submit only the required items.
  • Documents Needed: Once your application has been conditionally approved, your “My Account” page will update with all required documentation for you and your co-borrower (if applicable). The required documentation can vary from one application to another, so please review this page. 
  • Document Submission: The most efficient way to submit all documentation will be through your “My Account” portal. Next to each requested document, you simply click submit and attach the requested file. If you don’t have the requested document, please call a student lending representative 24/7 at 844-654-5658. We will ask you a few questions to understand your situation and provide you with an alternative if available.


  • Normal Timeline: From 3 to 15 business days. Once you reach this point, your application has been fully approved and we are waiting for your school’s financial aid office to approve the loan amount you requested. The most common delays at this stage are related to the time of year and the processing time at your school’s financial aid office. During the start of each semester, financial aid offices are inundated with these requests and may require extra time to return them.
  • Certification: Certification is the process whereby we send your loan request to your school’s financial aid office to verify your enrollment and requested loan amount. Once certified, the school will also provide us with a date for when the loan funds should be disbursed to the school.


  • Normal Timeline: 8-11 business days due to mandated regulatory periods such as the Right of Refusal. Once the certification has been returned by your school, we will complete a few final checks and then remit payment directly to your school. This estimated timeframe can be shortened by up to 2 business days by leveraging e-sign.
  • Fund Transmission: We always send loan funds via electronic payment methods if available through your school. If the school does not accept these options, we will mail them a physical check.

* APR = Annual Percentage Rate
‡ Approved programs subject to change