Certificate Program Loan

Further your education and your career.

Pursuing a professional certificate can be expensive. USC Credit Union’s Certificate Program Loan offers affordable funding for educators enrolled in one of USC’s Rossier School of Education Professional Development programs. With predictable monthly payments and an affordable fixed rate, this specialized loan program helps defray costs for tuition, books and more.

  • Loan amounts up to $10,000
  • Rate as low as 5.90% APR1
  • Up to 48 months to repay2
  • Deferred payment options
  • Requires proof of enrollment at USC in an approved certification program and USC Credit Union accounts in good standing
  • Optional Debt Protection coverage available

Certificate Program Loan

Rates accurate as of 11/21/2024
All rates and terms subject to change without notice.

Approved ProgramAPR as low as
School Business Management Certificate Program Loan5.90%
Reading and Literacy Added Authorization Loan5.90%
Differentiated Curriculum Loan5.90%
School Leadership Academy5.90%

Loan Program Details

Program names, descriptions, terms, and loan amounts for Certificate Program Loans
Approved ProgramSchool Business Management Certificate Program (SBMCP) LoanReading and Literacy Added Authorization LoanDifferentiated Curriculum LoanSchool Leadership Academy (SLAPAC) LoanAASA-USC Urban Superintendents Academy
DescriptionProvides support for educators pursuing a career in leading a business operation in a K-12 school district or charter organization.Provides support for educators who want to become literacy experts.Provides support for teachers who want to obtain their Differentiated Curriculum for Gifted Students Certificate.Designed for educational professionals pursuing a career in administration.Designed for educational professionals aspiring to further their career as a superintendent.
Max Term136 months24 months24 months48 months36 months
Max Loan Amount$7,200$3,600$2,000$10,000$6,400

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        1APR = Annual Percentage Rate. All rates and programs are valid as of 11.21.2024, subject to change without prior notice, and subject to credit approval. Rates, terms, and conditions may vary based on creditworthiness and qualifications. Maximum loan term based upon amount financed. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility.

        2Terms and conditions may vary based on creditworthiness, amount financed and program qualifications. Estimated monthly payments per $100: 1) 48-month 5.90% APR loan $2.34; 2) 24-month 5.90% APR loan $4.43. All credit union loan programs, rates, terms and conditions are subject to change without notice.

        The School Business Management Certificate Program Loan has an initial 12-month deferment period, followed by an up to 48-month repayment term. Interest will accrue during the 12-month deferment period.

        The Reading and Literacy Added Authorization Loan has an initial 10-month deferment period, followed by an up to 24-month repayment term. Interest will accrue during the 10-month deferment period.

        The Differentiated Curriculum Loan has an initial 9-month deferment period, followed by an up to 24-month repayment term. Interest will accrue during the 9-month deferment period.

        The School Leadership Academy Loan has an initial 15-month deferment period, followed by an up to 48-month repayment term. Interest will accrue during the 15-month deferment period.