Post-Graduate Loan


HUECU's Post Graduate Loan program provides much needed financial assistance for students transitioning from graduate school to a new career.

Federal financial aid policy requires that student loans and other financial aid can only be used to cover costs associated with an individual's study while enrolled in school. As a result, recent graduates often find themselves in a financial struggle between their graduation from Harvard and the beginning of their full time employment.

The program is designed to assist Harvard graduate students or recent graduates (U.S. citizens and U.S. permanent residents only) of Harvard Law School, Harvard Medical School, Harvard School of Dental Medicine, Harvard Business School, Harvard Graduate School Design, and the Harvard School of Public Health.

Loan Amounts:

  • Minimum loan amount: $1,000
  • Maximum loan amount: $15,000


  • Length of repayment: 120 months or less
  • Minimum monthly payment: $50
  • First payment due 6 months after graduation (extended for qualified medical residency)


  • Funds deposited into borrower's HUECU checking account for immediate use.
  • Funds can be easily accessed using debit card, ATM, online banking, or checks.



Applicants must meet the following criteria:

  • Graduated from one of the eligible programs within the past 6 months OR is in their final year of study, attending at least half-time, and making satisfactory academic progress according to their school's standards (Harvard financial aid or registrar's office will certify).
  • Is a U.S. citizen or permanent resident, with a valid U.S. social security number and a U.S. address.
  • Has satisfied the HUECU credit requirements.1
  • Applicants must join the Credit Union at time of application.2


1.HUECU credit requirements include 2 years minimum credit history with tradelines other than student loans and on time payment record.
2.Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. An HUECU checking account must be established prior to loan disbursement.
3.Annual Percentage Rate (APR). Rate adjusted quarterly according to Prime Lending Rate as published in the Wall Street Journal. Subject to credit approval.