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Is college or a technical school in your future?
College is a big investment. We can help you manage your educational finances and eliminate much of the confusion surrounding college education costs.
Grants, savings or scholarships are not always enough to pay for higher education. A student loan can make the costs associated with college, business, vocational, technical, nursing, and any other approved types of educational institution more affordable.
Americo FCU participates in the AES/PHEAA* Stafford Loan and Parent PLUS Loan programs.
FAFSA
Free Application for Federal Student Aid - If you are seeking financial assistance from the federal government, you must fill out a FAFSA form before you can apply for any PHEAA loans. The information from your FAFSA will be shared with the federal government, the school you are attending and PHEAA to ensure you receive the most comprehensive student aid package based on your financial need. You can complete the FAFSA form online.
AES / PHEAA LOANS*
We participate in the AES / PHEAA Stafford Student Loan and Parent-Plus programs. A student loan can make the costs associated with college, business, vocational, technical, nursing, and any other approved types of educational institutions more affordable. The Keystone Rewards Program is also available for those who qualify. We can provide you with the applications, and review your application to make sure that all the necessary information is complete.
Federal Stafford Loans
Federal Stafford loans are low-interest government loans made to college and career school students by lending institutions. The U.S. government offers these loans through the Federal Family Educaton Loan Program. Click here to apply online for the Stafford MPN loan.
Parent PLUS Loans
A Parent PLUS loan is a low-interest loan provided to parents through the Federal Family Education Loan Program. This loan enables parents to pay the education expenses for dependent children enrolled at least half-time in a college or career school. Click here to apply online for the Parent PLUS loan.
Graduate PLUS Loans
A Graduate PLUS loan is a low-interest education loan provided to graduate and professional students through the Federal Family Education Loan Program. This program supplements the federal Stafford loan program and should only be used after your Stafford eligibility is exhausted. Click here to apply online for the Graduate PLUS loan.
| Our AES/PHEAA Lender Code is 828969 |
For more information about PHEAA's programs and services, check out PHEAA Online.
*AES - American Education Services
*PHEAA - Pennsylvania Higher Education Assistance Agency
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EDUCATION LOANS
The Credit Union also offers Personal Education Loans which are separate from the educational loans offered through the AES/Pheaa program. Educational Loans will be granted at a lower rate provided the loan checks are made payable directly to the educational facility.
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James J. DeDad Scholarship
The James J. DeDad Scholarship, sponsored by several credit unions in the Erie area, is an annual competition for local credit union members between the ages of 17 and 24, who are enrolled or will be enrolled as full-time undergraduate students. Scholarships ranging from $3,000 to $500 are awarded. Applicants are required to complete an application and write a 500-word essay. Scholarships are available to all majors. These scholarships are not limited to students with a freshman semester standing, you may submit an application every year that you are eligible.
The 2008 scholarship applications are available April 1, 2008. Applying for the scholarship is easy. Just complete an application and write a 500-word essay. Application and essay must be submitted to the credit union no later than June 13, 2008 to be eligible. Late applications and essays will not be accepted.
The Scholarship Committee will judge the essays, and the winners will be notified in July. Judging for the Scholarships will be based on credit union knowledge and the ability to communicate your thoughts and ideas through your essay. An awards ceremony for the wnners will be held in early August. Completed applications and essays must be returned to the credit union no later that Friday, June 13, 2008.
Click here for your application, or stop at either credit union office.
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Congratulations to the 2008 DeDad Scholarship Winners
| 1st Place |
Joni Carroll |
$3,000 |
Erie GE FCU |
| 2nd Place |
Kimberly Giles |
$1,500 |
Erie Federal CU |
| 3rd Place |
Ashley Flowers |
$1,250 |
Erie GE FCU |
| 4th Place |
Hanna Vicary |
$1,000 |
Erie Federal CU |
| 5th Place |
Carol Waters |
$ 750 |
North East Welch FCU |
| 6th Place |
Stephanie Cywinski |
$ 500 |
Erie GE FCU |
| 7th Place |
Jenni Lindenberger |
$ 250 |
Erie Community CU |
229 applications were submitted for the 2008 DeDad Scholarship. The awards presentation is scheduled for August 20th, 2008. We want to thank all of the participants for their hard work. Be sure to watch for details next spring regarding the 2009 DeDad Scholarship!
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Financial Aid Links
www.fafsa.ed.gov
Complete the Free Application for Federal Student Aid online.
www.studentaid.ed.gov
Federal Student Aid website providing information on the entire financial aid process.
www.pheaa.org
Obtain state grant, work-study, and loan information.
www.aessuccess.org
Check the status of KeystoneBEST and KeystonePLUS loan applications, plan for college, complete entrance and exit counseling, pay your student loan bill online, and download deferment and forbearance forms.
www.ed.gov
US Department of Educatioin Web site.
www.youcandealwithit.com
Find information about planning for your future financial success.
www.educationplanner.org
Begin the journey to higher educatioin and a brighter future. Research careers, choose a postsecondary school, apply online, and find ways to finance your education.
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Whether you're still in college or pursuing your career, we can assist you with all of your financial needs. We offer a complete line of financial services designed to start your future the right way, including Savings Accounts, Checking Accounts, MasterCard Credit Cards and Auto Loans. Whether you are across town or across country, with ATM and Debit Cards, Internet Home Banking and Bill Pay, and Shared Service Centers to access and manage your accounts...we are always close by to wherever life takes you.
Regular Savings Accounts
This is the account you open when you establish your credit union membership. A $5 minimum opening deposit and balance is required.
Checking Accounts
A credit union checking account offers all of the convenience you want but without all of the fees. No monthly service charges, no minimum balance, no per-check processing fee. Overdraft protection is available to eligible members.
MasterMoney Debit Card
A credit union debit card is an easy way to access your checking without a checkbook, to make purchases or obtain cash at ATM's (Automated Teller Machines).
Internet Banking
Manage your accounts online from your PC - make account transfers, check account balances, make loan payments, safely and securely.
No Surcharge ATM Network
Look for the Credit Union No-surcharge logo's or go to the www.cudollar.org for locations of the ATM network nearest you.
Loans
Whether for need a car or a computer, we have a variety of loans for all of your borrowing needs, at competitive rates and convenient repayment terms.
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James J. DeDad Scholarship
The James J. DeDad Scholarship, sponsored by several credit unions in the Erie area, is an annual competition for local credit union members between the ages of 17 and 24, who are enrolled or will be enrolled as full-time undergraduate students. Scholarships ranging from $3,000 to $500 are awarded. Applicants are required to complete an application and write a 500-word essay. Scholarships are available to all majors. These scholarships are not limited to students with a freshman semester standing, you may submit an application every year that you are eligible.
The 2008 Erie Chapter of Credit Unions James J. DeDad Scholarship applications are now available. Completed applications and essays must be returned to the credit union no later than Friday, June 13, 2008. Credit Union members between the ages of 17 and 24 who are enrolled or will be enrolled as a full-time undergraduate student in 2008 are eligible to apply.
Click here for your application, or stop at either credit union office.
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