Going to graduate school is an exciting step in your education, so choose a loan solution that helps you focus on what's really important - your classes! Elements' Education Line of Credit was designed to fill the funding gaps that may exist after all-lower-cost sources of aid (including scholarships, grants, and federal Direct Subsidized and Unsubsidized loans) have been exhausted. And since these loans are being offered through your credit union, you know that you are getting a great deal from a not-for-profit lender you can trust.