Heading Off to College? Let’s Talk About the Truth Behind Personal Loans

Getting ready to send your student off to college is exciting—and let’s be honest, a little overwhelming. Between dorm shopping, meal plans, and tuition bills, it can feel like the expenses just keep coming. If you’ve been wondering how to make it all work financially, you’re not alone—and at CCB, we’re here to help.

You might have heard that personal loans aren’t the best option for college-related expenses. But that’s not always true. Today, we’re here to clear up some common myths and show you how a personal loan from CCB might be just what you need.

Myth #1: “Personal loans aren’t for college stuff.”

Let’s set the record straight:

While federal student loans are great for covering tuition, they may fall short when it comes to all the extras—books, supplies, travel, housing, or even setting up that first apartment. A CCB personal loan can help fill those gaps so your student can focus on learning (and you can breathe a little easier).

Myth #2: “Personal loans are too expensive.”

Not when you work with CCB.

We offer competitive rates, flexible terms, and honest answers—no hidden fees or confusing fine print. And unlike some big-name lenders, we actually talk with you about what fits your situation best. Because at CCB, we know financial support isn’t one-size-fits-all.

Myth #3: “The process takes forever.”

That might be true at some big banks—but not at CCB.

Our decisions are made locally, right here in your community. That means faster turnaround times, personal service, and no waiting on a call center halfway across the country. We’re here when you need us.

Why Choose a CCB Personal Loan?

At CCB, we’ve been helping local families through life’s big milestones for over 100 years. That kind of longevity doesn’t happen by accident—it happens because we’re built on relationships, trust, and a commitment to grow local. When you bank with CCB, you’re part of something bigger. We invest in the places we live and work—supporting local schools, nonprofits, businesses, and families. Growing local isn’t something we say—it’s something we do every day. It’s who we are.

So, when might a personal loan make sense?

  • You’ve covered tuition, but still need help with housing or living costs
  • You want your student to start strong with the basics (like a laptop, car repairs, or supplies)
  • You’d prefer to avoid using high-interest credit cards
  • You like working with a bank that knows you by name and not just your account number

Local, Personal, and Here for You

When you choose CCB, you’re not just getting a loan—you’re gaining a partner who’s committed to helping your family succeed. And we’ll be here long after move-in day. So as you get ready for this exciting chapter, let us help take some of the financial stress off your shoulders. Stop into your local branch, give us a call, or click here to contact us to learn more.

Because at CCB, we believe in your student. We believe in local families. And we believe in growing stronger together.