Credit union lending was the way to go for me. I’m about to graduate with a Bachelors in hospitality business management from The Culinary Institute of America in New York this spring. When I started school I was only 17 so I couldn’t get a traditional loan from a bank. I was denied by everyone and felt like my options were running out. KEMBA Financial allowed me to put myself through school and follow my dreams. It was really easy to apply through the website but I had a super helpful woman walk me through the process at a KEMBA branch. Even though the loans I’ve accumulated going to a top school seem daunting, the interest rate that I got was much lower than any of the banks I had looked at. I’m so grateful that KEMBA gave me options in my limited situation, and I’m so excited to graduate and truly earn my title as a chef.