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Student Loans

Get the money you need to reach your higher education goals

After considering all your federal loans, scholarships and grants, you may still have a gap you need to fill to cover your total college costs.

In-School Loans

Paying for college can be stressful. That’s why Truity Credit Union has partnered with Cognition Financial to bring students and families the Custom Choice Loan®, a private student loan that could help undergraduate and graduate students with their school expenses.

Whether you’re paying for tuition, housing, or other school expenses, a Custom Choice Loan, powered by Cognition, can help you realize your higher education dreams.

Returning undergraduate student borrowers, rest easier knowing you’re more likely to be approved - returning undergraduate student borrowers had a 94% recent approval rate when applying the following year for a subsequent Custom Choice Loan with a cosigner.¹

Adding a parent or another adult with good financial standing makes approval 4X more likely. Plus, you may get a lower rate than you would if you applied on your own. Don’t delay. Prequalify² and check your rate in minutes, with no impact to your credit, and easily compare your options before you choose.

Apply for an In-School Loan

Before applying for a private student loan, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.

The Custom Choice Loan® is made by Citizens (“Lender”). All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

¹ You must submit a new application for a Custom Choice Loan each year. This approval percentage is based on undergraduate borrowers with a Custom Choice Loan from 2020 who were approved again in 2021. Future approval rates can change.

² In order to estimate the rates and loan options you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. Loan approval, options, and final rate depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner’s hard credit inquiry).

Custom Choice Loan® is a service mark used under license.

Citizens is a brand name of Citizens Bank, N.A. Member FDIC.

To make a payment to your Student Choice student loan account, access the payment center.

Student Loans

Bridge the gap between your finances and the cost of college!


Undergraduate Loans
Graduate Loans
Student Loan Financing