Gate City Bank has been providing a better way of life for college graduates in our communities through our innovative BetterLife Student Loan program.

Since 2015, we have helped more than 3,000 customers refinance their student loans. Over the lifetime of the loan, we will save each customer an average of $9,631 in student loan interest. That's a total of $28 million!

The BetterLife Student Loan program is the first and only one of its kind in the nation! It was created to help customers consolidate student loan debt into a low, fixed rate interest loan.

How Can the BetterLifeTM Student Loan Program Benefit You?

  • Help you buy your first home by decreasing monthly student loan payments
  • Allow you flexibility to purchase more home or upgrade to a bigger home
  • Save on interest with a fixed rate of 1.50% APR*
  • Consolidate your student loans
  • Pay off student loans faster by shortening the repayment time frame
  • Plus, NO fees - yes, really!

I’m Ready to Get Started! Am I Eligible?

The BetterLife Student Loan program isn't just for recent students or first-time home buyers; it’s available to any individual who has student loans and meets certain eligibility requirements:

  • An existing Gate City Bank home loan on a primary residential home in North Dakota or central Minnesota (existing, purchasing or refinancing)
  • 12 months of repayment history on existing student loans (a copy of loan payment history for each loan being consolidated is required)
  • Copy of college degree, advanced degree, or trade certificate required (advanced degree applicants must be currently working in the field matching their advanced degree)
  • Online statement sign-up

Ready to get started?  Contact a Gate City Bank personal lender today!

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