A happier future is closer than you think! Easily consolidate your student loans, pay them off faster and have more money to afford your dream home with our BetterLife Student Loan.

With the first and only program of its kind in the nation, we make it easy to consolidate your student loans with no fees and a low fixed interest rate of 2.75% APR* when you buy or refinance your home with Gate City Bank.

Smaller Payment.
Bigger Home.

Since 2015, we’ve helped more than 3,200 customers right here in our local communities – saving $9,860 on average per customer.

How It Works:
Easy as 1-2-3

  1. Chat with a lender.
  2. Buy or refinance your home with Gate City Bank. (Already have a home loan with us in ND or MN? You’re in.)
  3. Provide 12 months of repayment history and a copy of your degree or trade certificate. That’s it!

Happy Futures Start Here.

“Thanks to the BetterLife Student Loan program, my student loan payment was cut in half.
The process was so quick and simple. Plus, our family has saved hundreds every month by refinancing
our home loan with Gate City Bank. I just wish we had done this sooner!”
Matt T. – Fergus Falls, MN


Contact a Lender


*Terms and conditions may apply. Rates subject to change.