College Funding Resources
From 529 savings to student loans, we guide families through every step of planning and paying for college.
Your Partner in Education Funding
Whether you're a parent saving for your child's future, a student preparing to attend college, or a graduate managing student debt, 3Rivers offers personalized support at every stage. Our College Funding team helps minimize debt and maximize opportunity.
Free College Planning Resources
We help families explore tax-advantaged 529 college savings plans, provide free FAFSA filing assistance, conduct customized scholarship searches, explain student loan and refinancing options, and offer guidance on building financial wellness beyond graduation.
What We Help You With
- 529 college savings plans with tax advantages and investment growth potential
- Free FAFSA filing assistance to maximize federal and state aid eligibility
- Personalized scholarship searches connecting you to local and national opportunities
- Student loan guidance comparing federal and private options for your situation
- Refinancing strategies to lower monthly payments and reduce total interest costs
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Related Services & Tools
Use these tools and resources to manage your money, learn about financial wellness, and make the most of your 3Rivers membership.
Questions About Paying for College?
College Funding Frequently Asked Questions
Have questions about college funding? We've got answers. For additional support, reach out to our College Funding team.
Should I apply for federal loans before considering private options?
Yes. We always encourage students to exhaust federal loan options first, as they typically offer better protections and flexible repayment. Private loans can fill remaining gaps after federal aid is maximized.
What education expenses can I use my 529 savings plan for?
Qualified expenses include tuition, mandatory fees, books, supplies, required equipment, and room and board at eligible colleges, universities, vocational schools, and K-12 tuition up to $10,000 annually.
Can I refinance my existing student loans with 3Rivers?
Yes. Refinancing can lower your interest rate and monthly payment. We offer refinancing for federal and private student loans with terms from 12 to 180 months and rates starting at 6.54% APR based on credit.
Does 3Rivers offer scholarships for college students?
Yes! We award scholarships annually through our member scholarship contest. Recent years we've awarded up to $100,000 total. We also help members search for additional scholarships they may qualify for.
How can 3Rivers help me complete the FAFSA application?
Our College Funding team provides free, one-on-one FAFSA assistance. We help you gather required documents, complete the application accurately, and understand your Student Aid Index to maximize eligibility.
What is a 529 college savings plan and how does it work?
A 529 plan is a tax-advantaged investment account designed for education expenses. Earnings grow federal income tax-free, and qualified withdrawals for tuition, fees, books, and room and board aren't taxed.
Should I choose federal or private student loans?
Always exhaust federal student loan options first. Federal loans offer income-driven repayment plans, deferment options, and potential forgiveness programs. Private loans may have higher rates and fewer protections.
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