Effective immediately, Complete Student Loans will no longer accept or process applications for our loan programs. We apologize for any inconvenience this may cause. If you have any questions, please don't hesitate to contact us at 801-266-7538.
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 creditworthy cosigner may reduce the interest rate you’re eligible for.
It is recommended that your cosigner be a parent, grandparent, spouse, or guardian.