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 11/14/2024
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

    Pursue that career.

    Get the affordable funding you need to further your education with USC Credit Union.

    • Credit Cards

      No annual fees. No foreign transaction fees. More “yes” answers. Apply for a USC Credit Union Mastercard® credit card today.

    • Auto Loans

      Why finance with us? Simple: We’re a credit union with no shareholder interests to cater to. The upshot: Bank-beating auto loan rates on cars, trucks, motorcycles, RVs, and more.

    • Family Membership

      Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!

      Educational Resources

      • Students

        Understanding Financial Aid Award Letters

        You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.

        Read Full Article

        Understanding Financial Aid Award Letters

        Visit the Borrow Advice Center

      • Student Loans

        Consolidation vs. Refinancing Student Loans

        Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation. 

        Read Full Article

        Consolidation vs. Refinancing Student Loans

        Visit the Borrow Advice Center

      • Student Loans

        Student Loan eBook

        Some college students graduate with honors. But a lot more graduate with debts. In this ebook we cover the lingo surrounding student loans, explain the importance of choosing the right lender, and how important it is to seek federal aid and scholarships first!

        Read Full Article

        Student Loan eBook

        Visit the Borrow Advice Center

      • Student Loans

        Student Loan Refinance Guide

        Don’t let student debt hold you back from the finer things in life. In this ebook we cover the pitfalls of student debt, explore if refinancing is right for you, show you how much you can potentially save, and more!

        Read Full Article

        Student Loan Refinance Guide

        Visit the Borrow Advice Center

      • Student Loans

        Why Should You Refinance Student Loans with a Credit Union?

        Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.

        Read Full Article

        Why Should You Refinance Student Loans with a Credit Union?

        Visit the Borrow Advice Center

      • Students

        Tax Benefits for College Students and Parents

        Did you know you can take advantage of special tax breaks just for college students and their parents? These benefits come in the form of tax credits and deductions when you file your income tax return. What’s the difference? A credit reduces the amount of income tax you have to pay. A deduction reduces the amount of your income that is taxed, which also typically lessens your tax bill. In other words, you could get a bigger tax refund.

        Read Full Article

        Tax Benefits for College Students and Parents

        Visit the Borrow Advice Center

        1APR = Annual Percentage Rate. All rates and programs are valid as of 11.14.2024, 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.