Domestic Students

1. Submit an Online Loan Application. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Configure your Loan. Select your repayment term. Your loan documents will be generated for signature after you make your selection.

3. Apply for membership, if you are not an existing HUECU member.

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

4. Upload supporting documentation, this includes a copy of your government issued photo ID, and may include other requested documents.

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

6. School Certification. Once your application is finalized, we will send a request for the school to certify your loan and set your disbursement date(s).

7. Review your Final Disclosure, which includes the final terms of your loan.  You will be notified when your disclosure is ready to view. You may waive your Final Disclosure Receipt period, which may expedite your loan disbursement.

8. Loan Disbursement. Funds will be sent directly to your school. Refunds and changes to loan amounts must be requested through your Financial Aid office if your loan has already been certified.

Note: Borrowers may sign and notarize their loan documents through our partner, NotaryCam, or through Notarize.com. Electronic copies will be accepted, and should be uploaded to your account for processing. The cost for signature and notarization services through NotaryCam is $25. A U.S. notary can also be found locally, or at the closest U.S. Consulate or Embassy. If your documents are notarized in-person, the originals must also be mailed to the credit union to finalize your loan.  For notarized documents, each signature must be witnessed and explicitly acknowledged by a notary. One notary seal is required for the three documents with proper acknowledgement of each document and signature.

Signed and notarized loan documents should be mailed to:

Harvard University Employees Credit Union
Education Lending
P.O. Box 382609
Cambridge, MA 02238-2609

International Students

We understand that your academic program, travel arrangements or visa approval may be impacted by COVID-19. Don’t worry! We’ve implemented changes that will help you finalize your loan before school starts. Please reach out to us with questions, or if you have a unique circumstance, we’re here to help.

1. Submit an Online Loan Application. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Configure your Loan. Select your repayment term. Your loan documents will be generated for signature after you make your selection.

3. Obtain your Visa. If you’re applying for a visa, you may utilize your conditional approval letter (you will receive this after completing your online application) to obtain financial certification from your school. Financial certification is needed to obtain your I-20 and apply for your U.S. visa.

Note: If you are experiencing a delay in obtaining your visa, or scheduling your visa interview, please upload proof of visa application, which may include submission of form DS-160, to your online account. If you do not obtain your visa by August, or if you are studying remotely and do not have plans to apply for a visa, or travel to the U.S., please reach out to us directly at huecu@campusdoor.com.

4. Apply for membership, if you are not an existing HUECU member.

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

If you have a Social Security Number and a U.S. address, you may apply for membership here.
If you do not have a Social Security Number and a U.S. address, apply for membership here. This application allows you to open your required share savings account only. You will be asked to enter 999-99-9999 in place of your SSN.

5. Upload supporting documentation, including your identification, immigration and other required documents:

  • Passport
  • Secondary, government-issued photo ID
  • Visa
  • School issued I-20 financial certification, or form DS-2019

Note: If you are studying remotely and are unable to provide form I-20 or DS-2019, you will be required to provide an Enrollment Verification Letter from your Financial Aid or Registrar’s Office.

6. Sign Your Loan Documents. Your Approval Disclosure, Promissory Note, and Self Certification Form will be generated for signature after you configure your loan. You may sign your loan documents in the presence of a U.S. notary. Important details regarding notarization are located below. You may also sign your documents at a credit union branch by appointment. You can locate directions to the branch most convenient for your loan signing, and schedule your required appointment on our website.

Note: Borrowers may sign and notarize their loan documents through our partner, NotaryCam, or through Notarize.com. Electronic copies will be accepted, and should be uploaded to your account for processing. The cost for signature and notarization services through NotaryCam is $25. A U.S. notary can also be found locally, or at the closest U.S. Consulate or Embassy. If your documents are notarized in-person, the originals must also be mailed to the credit union to finalize your loan.  For notarized documents, each signature must be witnessed and explicitly acknowledged by a notary. One notary seal is required for the three documents with proper acknowledgement of each document and signature.

Signed and notarized loan documents should be mailed to:

Harvard University Employees Credit Union
Education Lending
PO Box 382609
Cambridge, MA 02238-2609


7. School Certification
. Once your application is finalized, we will send a request for the school to certify your loan and set your disbursement date(s).

8. Review your Final Disclosure, which includes the final terms of your loan.  You will be notified when your disclosure is ready to view. You may waive your Final Disclosure Receipt period, which may expedite your loan disbursement.

9. Loan Disbursement. Funds will be sent directly to your school. Refunds and changes to loan amounts can be requested through your Financial Aid office.