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American Airlines FCU

Student Lending Center

American Airlines
Cadet Academy

Line of Credit

Our innovative line of credit solution is available to candidates accepted into the American Airlines cadet training program.

Convenient and Flexible Flight School Funding

With our line of credit^* you can finance 100% of the cost of flight school with terms up to 25 years and may include optional housing and stipend costs based on your selected flight school. Our program includes no application or funding fee’s, no payments for up to 45 months, flexible repayment and deferment options, no early payments or payoff penalty, and a 0.25% rate discount for setting up automated payments.

For additional details about our Cadet Flight School Line of Credit, the benefits of Credit Union membership, and to connect with one of our Cadet Financial Advocates, visit our Cadet Program information page.

American Airlines Cadet Academy

This solution is designed specifically for those who have been accepted into the American Airlines Cadet Academy.

Are you already a commercial airline pilot or on the way to becoming one but not currently enrolled with the American Airlines Cadet Training program? Contact us to discuss other financing options available.

Current Rates

Fixed Rate Solution

Fixed Rate icon

Get a fixed monthly payment with a rate that doesn't change over time.

Rate Ranges: 5.99% - 10.24% APR^†

Borrow up to $126,000.

Apply for Fixed Rate

Variable Rate Solution

Variable Rate icon

As rates rise and fall according to the market index, your monthly payment may change over time.

Rate Ranges: 9.24% - 13.24% APR^†

Borrow up to $126,000.

Apply for Variable Rate

Important Disclosures and Rate Details

Do you or a family member have traditional college loans from a completed degree program? Check out our Student Loan Refinance Solution or contact one of our Cadet Financial Advocates to discuss available options.

Tuition Financing

100% Cadet Academy tuition financing with terms up to 25 years
0.25% discount for automated payments
No application or origination fees
May include housing and stipend costs, depending on flight school
No payments due or interest accrued during the instructional/draw period
Make early or extra payments anytime without any penalty or fee
Grace period of two years after draw period ends
Flexible repayment and deferment options
Cosigner allowed (if your credit needs a boost)

Eligibility Requirements

To be eligible for our line of credit, you must be accepted into the American Airlines Cadet Academy^‡ and be a member of American Airlines Federal Credit Union before applying. Be sure to review all eligibility requirements.

Typical Online Application and Funding Timeline

Before you apply, make sure you have registered for your chosen flight school location and start date.

Step 1

Start Your Online Application

Step 2

Submit Your Documents for Verification

Step 3

Loan is Certified by Your School

Step 4

Funds are Disbursed Directly to Your School

Start Your Application

Personalized Support

Cadet Financial Advocates

Contact our Cadet Advocates for personal, one-on-one consultation to discuss your flight school funding and repayment questions. For assistance, call (888) 51 CADET or (888) 512-2338. Our advisers are available 7am-5pm CT Monday - Friday or via email.

Contact Support

Speak with a knowledgeable representative about application questions or your existing loan with us. For 24/7 assistance call 844-649-2857.

Manage Your Account

Make A Payment

Log in to view your account balance and make a payment. Note that University Accounting Service (UAS) is the loan servicer for your account.

Request Funds

Log in to submit a draw request for additional funds from your existing line of credit, or to view your profile and completed application(s).

Finish An Application

Log in to finish an application that you have already started, upload supporting documents, and complete the lending process.

Inquire about your loan balance or make a payment:

877-530-9782

Make payments by mail:

University Accounting Service, LLC.
PO Box 5879
Carol Stream, IL 60197

Reach us by mail regarding our Student Choice solution:

American Airlines Federal Credit Union
c/o Credit Union Student Choice
1001 Connecticut Avenue NW
Suite 1001
Washington, DC 20036

For additional contact options, please visit: aacreditunion.org

* Subject to annual review and credit qualification.
** The APR will not fall below the floor rate regardless of the index or any additional rate discount
† APR = Annual Percentage Rate
‡ Approved organizations subject to change without notice.