You are a valued member of our Complete Student Loan Community and we want you to know that we are mindful of you during the COVID-19 (coronavirus) crisis. It is important you know that we are monitoring the news and staying up-to-date on the changing developments tied to COVID-19. We want to assure you that we remain committed to supporting our community during these difficult times. If you find that you have been negatively impacted by COVID-19, please contact us for solutions at
Your nonprofit student loan partner.
We’re not a bank. As a nonprofit built to serve Utah students, we’re committed to being your responsible alternative to for-profit lenders.
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What we do.

Undergraduate Loans

One of the most difficult parts of college can be paying for it. Featuring low, fixed rates and no origination fees, our undergraduate loans are designed to be simple to understand and easy to apply for.

Graduate Loans

Our graduate loans are simple and flexible, with low, fixed rates, no hidden fees, no origination fees, and a repayment schedule that gives you 10 or 15-year repayment options to fit your goals.


Let us help you lower your monthly payments, save money on interest, and pay off your debt faster. Our low, fixed-rate refinancing options have no origination fees, are simple to understand, and easy to apply for.
We make it as simple as 1,2,3.
Finding the best student loan in a sea of options can be overwhelming. So we make it easy—with loans and refinancing that have low, fixed rates, no origination fees, and flexible repayment options that make investing in your education a piece of cake.
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1. Apply

Our simple application takes less than 10 minutes to complete.

2. Give Us 60 Seconds

Why wait any longer? We’ll give you a decision in about 60 seconds.

3. Get Your Loan Offer

You’re ready for school—with a loan built to serve you from a local nonprofit you can trust.
Find repayment options that work for you.
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UHEAA, helping Utah students for over 40 years.
Complete Student Loans was created by the Utah Higher Education Assistance Authority (UHEAA) as a way to help more students access higher education. UHEAA is not a bank. We’re a local nonprofit built to help students be successful in financing and completing their education. Learn more about UHEAA.
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Common Questions

You may borrow up to your school’s cost of attendance, less any other financial aid you received. The loan amount must be certified by the school.
Interest rates are based on credit, repayment, and term options chosen. Learn more about our interest rates.
Undergraduate Loan
  • 10 or 15-year term
  • Interest-only payments while in school
  • Full principal and interest payments while in school
Graduate Loan
  • 10 or 15-year term
  • Interest-only payments while in school
  • Full principal and interest payments while in school
  • Fully-deferred principal and interest payments while in school
  • 10, 15, or 20-year term
  • Full principal and interest payments
Tuition, fees, books, etc. Basically any education-related expenses your school will certify.
Over 80% of our borrowers have cosigners. Applying with a credit worthy cosigner may reduce the interest rate you’re eligible for.
It is recommended that your cosigner be a parent, grandparent, spouse, or guardian.