A mother and daughter working on homework
Your Partner in Educational Financial Planning

Student Guidance

Whether you're planning for college, managing student debt, or building financial literacy, 3Rivers provides expert guidance every step forward.
Schedule Appointment

Education Financing Made Simple

Planning and paying for college is one of the biggest financial decisions families face, and 3Rivers Federal Credit Union has been guiding students and families since 1935. Serving more than 110,000 members, our Youth & College Support Team works directly with families across Indiana and Ohio to help minimize student loan debt by exploring all available options, including financial aid, scholarships, grants, and savings strategies before recommending loans.

Options for Every Educational Stage

Explore Student Financial Solutions

Whether you're just starting to save or managing existing student debt, we have solutions designed for your unique situation.
A student typing on the computer

Scholarship Opportunities

  • Access 3Rivers scholarship program and application resources 
  • Search for local and national scholarship opportunities 
  • Get guidance on essay writing and application support 
  • Learn about scholarship deadlines and requirements 
Learn More
A close up of a FAFSA application

College Resources

  • Free FAFSA completion assistance and guidance 
  • Financial aid award letter interpretation help 
  • College affordability and cost comparison tools 
  • Work-study program and grant opportunity education 
Get Started
A student typing on a laptop

College Funds

  • Tax-advantaged 529 college savings plan options 
  • Youth savings accounts with competitive dividends 
  • Money market accounts for emergency education funds 
  • Share certificates for longer-term college savings goals 
Start Saving

Standard Advantages for All Members

Every Student Journey Includes These Benefits

Discover comprehensive support designed for students and families—with expert guidance, flexible options, and dedicated service.

Dedicated Youth & College Team

Expert advisors specializing in student financial planning

Free Financial Planning Tools

Calculators, budgeting resources, and FAFSA guidance

Minimize Student Loan Debt

Explore all free funding before considering loans

Member-Owned Cooperative

Your success matters more than shareholder profits
Competitive Student Loan Rates

View Current Loan Rates

Compare our student loan rates and refinancing options. Our competitive rates help you save money while investing in your educational future.
View All Rates

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.
Call Now

Visit a Branch

Stop by any of our 24+ locations.
Find Locations

Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
Schedule Now