1. Submit an Online Application. When you submit your application, you will receive a preliminary Interest Rate Notice (PIRN) that provides term and rate information. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Apply for membership, if you are not an existing HUECU member. This step must be completed in order to advance your application. Click here to join HUECU

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, and to submit an online application. Pay close attention to notifications from HUECU in case we need more information for your account. Applications take 2-3 business days to process.

3. Upload Supporting Documentation. This includes a copy of your government issued photo ID and payoff verification for your student loans, and may include other requested documents. Please check your online account for specific documentation requirements.

4. Configure your Loan. Once all provided documentation has been processed, you will receive an e-mail instructing you to log into your online account to select your repayment term.

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

6. Review your Final Disclosure, which includes the final terms of your loan. You will receive a notification when your disclosure is ready for review. You will have the option to waive your Final Disclosure Receipt period, which will expedite your loan disbursement.

7. Loan Disbursement. Funds will be sent to your current loan servicer(s) to pay off your education loans. Continue satisfying payments with your current servicer(s) until your receive confirmation that your loans(s) have been paid in full to avoid delinquency.

Note: If you are unable to sign your documents electronically, you may sign your documents at a credit union branch by scheduling an appointment, or in the presence of a U.S. notary. Electronic copies will be accepted, and should be uploaded to your account for processing. If your documents are notarized in-person, the originals must be mailed to the credit union to finalize your loan. A notarization stamp is required on all signature pages for documents to be accepted.

Signed and notarized loan documents should be mailed to:

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