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Summit Credit Union is committed to helping you achieve your education goals. Whether you're a student or the parent of a student - we'll help you fund those goals. And by choosing Summit Credit Union, you'll receive:Prompt Payment Rate ReductionA 0.50% interest rate reduction after going into repayment, making 36 on-time monthly payments for all loans disbursed after 7/15/08. At Summit, "on-time payment" means we received your payment within our grace period of 10 days from your due date.