Graduate Student Loans


The Harvard Graduate Student Loan Programs was designed in cooperation with Harvard University, by Harvard University Employees Credit Union to meet the financing needs of graduate students attending Harvard University. Harvard University Employees Credit Union's (HUECU) private student loan was created with one goal in mind - helping you finance your Harvard education. The program is offered by a not-for-profit financial institution that is both centrally located within Harvard Square and truly understands the Harvard community because it’s solely focused on serving the banking needs of the Harvard community.

  • Deferment of payments while enrolled in Harvard University program
  • No co-signer required (However, having a qualified co-signer will reduce the interest rate)
  • Funds are disbursed directly to the student’s account at the school
  • Final disbursement amount will be certified by the Financial Aid Office

Learn more about the programs and apply online

Harvard Graduate Student Loan for Domestic Students
This program is available to U.S. citizens and U.S. permanent residents attending a Harvard graduate school program. Loan features an interest rate that is fixed for the first five years after the first disbursement. The program also has no origination fee and no guarantee fee.

Harvard Graduate Student Loan for International Students
This program is offered to Harvard graduate students who are not U.S. citizens or U.S. permanent residents and require a U.S. Visa for entry and study at Harvard.

Who's eligible?
Financing is available for both international and U.S. domestic Harvard University graduate school students are eligible to apply for these programs.

How much can I borrow?
The total amount Harvard graduate students can borrow is dependent the on cost of attendance, individual Harvard school limits, and the school certification. The University will certify the requested loan amount with the credit union. Please check the "Important Information From Your School" section listed in the program to review any special requirements or loan limits.

Who may co-borrow?
A co-borrower is a person who signs the Promissory Note to help enable a Borrower to qualify for the Loan. The co-borrower is also obligated to the debt. To qualify, a co-borrower must be a U.S. citizen or permanent resident and meet credit score criteria. With automated payment and after 48 consecutive monthly on-time payments, a co-borrower may request to be released from the loan. However, the release is subject to the credit-worthiness of the primary borrower. Having a co-signer on loan may also increase the student’s eligible borrowing amount.

A Relationship You Can Trust

Your funding is granted and held by the not-for-profit, member owned, Harvard University Employees Credit Union. For more information, you may contact the HUECU student loan operations center at (877) 716-6587 or if you are calling internationally, 01-916-281-2491. You may also reach us via e-mail at