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Welcome to Opportunity

Student Lending

(570) 823–6836

Student Loans

It’s your time to dream big.

Whether you’re just out of high school or choosing a new path in life, Opportunity is waiting for you in the classroom and beyond. 

  • In-school undergraduate, graduate, parent and student loan refinancing available
  • Affordable rates and flexible terms
  • Trusted local lender
  • Plus, a discounted rate for auto payments

Learn more

Your future’s never looked brighter.

If you’re a returning borrower, click the button below to easily access your account.

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Loans & Refinancing Options

Undergraduate + Graduate Loans

Flexible, affordable and full-featured—Cross Valley makes gearing up for college accessible for anyone.

  • Low fixed or variable interest rate options
  • No origination fees
  • Cosigner release after 36 on-time payments
  • Repayment terms of 5, 10 or 15 years
  • 6-month grace period
  • 0.25% annual percentage rate discount on auto-payments
  • Borrow anywhere from $3,000 to the cost of attendance as certified by your school

Apply today

We make the road to education wider.

Parent Loans

Cross Valley gives parents the Opportunity to help with the cost of your son’s or daughter’s tuition while they focus on their studies.

  • No origination fees
  • Low fixed or variable interest rate options
  • Repayment term of 5, 10 and 15 years
  • 0.25% annual percentage rate discount on auto-payments
  • Borrow from $3,000 up to the cost of attendance as certified by your school

Complete your entire application in minutes on your phone, tablet or laptop or start on one device and finish on another.

Apply here

Student Loan Refinancing

Cross Valley offers the ability to consolidate, refinance and save on your existing student loans for added freedom and flexibility.

  • Low fixed or variable interest rate options
  • No origination fees
  • Cosigner release after 36 on-time payments
  • Six-month grace period
  • 0.25% annual percentage rate discount on auto-payments
  • Borrow anywhere from $10,000 to $250,000

Refinance today

Mapping your future

Let’s create your college road map.

From planning your major and hitting your scholarship milestones, to saving and paying for college, fortune favors the prepared student. Our free college planning tool makes it easy for you to navigate the journey from high school to college and into adulthood with ease.

Start planning

You have the talent, we have the tools.

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