American Airlines
Cadet Academy

Line of Credit

Manage your cadet loan with confidence.

Understanding Your Loan

Knowing the ins and outs of your loan can help you plan ahead and avoid surprises. The topics below explain key details about funding, repayment, and building good payment habits.

Repayment Information & Grace Period

• You may defer required payments until the end of the 27-month grace period following completion of your flight school instructional period. Cadets who are unable to complete their program will receive a six-month grace period.
  • Payments made during the instructional period are applied directly to principal.
  • Payments made during the grace period are applied first to any fees, then to accrued interest, and finally to principal.
• To discuss or change your repayment options, contact UAS at (877) 530-9782.

Request Additional Funds (Draws)

• You may borrow up to your approved credit limit, which can cover the full cost of your flight training, without reapplying*. If your training costs have changed, you can contact us to discuss options.
• To receive additional funds for your training expenses, request a draw from your line of credit by logging into your account with UAS.
• If your financial situation or expenses have changed, call your Cadet Financial Wellness advocate.

Cadet Financial Advocates

Our Cadet Financial Advocates are here to support you throughout flight school and beyond. Under our Financial Wellness program, you'll have access to:

• One-on-one support from a financial wellness advocate to help you understand your options for loan repayment.
• Guidance for what comes next - including building credit, managing your first airline paycheck to saving, budgeting and preparing for future financial goals.
• Tools and resources for every stage of your career journey to help you make informed financial decisions as your income and priorities change.

To reach our Cadet Financial Advocates:

• Email: AACadet@AACreditUnions.org
• Phone: (888) 51 CADET