PHCC Tuition Finance Program
FMFCU offers a flexible tuition financing program designed specifically for PHCC plumbing students, so you can focus on your training today and your career tomorrow. Through this program, you’ll receive a rate 2% lower than our published unsecured installment loan rate, helping you save as you go.
How it Works
The Tech School Loan Program lets you finance tuition year by year with flexible terms that align with your training.
- Finance tuition annually, borrowing only what is needed each year
- Add each year’s tuition as you progress through training
- Flexible repayment terms designed to align with the training timeline
- No prepayment penalty, allowing early payoff at any time
- Loan terms adjust based on program year:
- Year 1 – Up to 24 months
- Year 2 – Up to 36 months
- Year 3 – Up to 48 months
- Year 4 – Up to 48 months
Eligibility Requirements
- Minimum credit score of 620 (co-borrower may be required if below 620)
- Must be currently employed by or entering employment with a plumbing trade employer
- Must meet FMFCU membership requirements and open a checking account
- Proof of income and tuition invoice required at time of application
- Established credit history (at least 12 months)
Membership eligibility required. Program available to PHCC student members employed by participating companies. Application subject to credit approval. Rates, terms, loan amounts, and repayment options vary and are subject to change. Contact Franklin Mint Federal Credit Union or visit fmfcu.org for current rates, terms, and required disclosures. Federally insured by NCUA. Equal Opportunity Lender.