# Can a personal loan or Upgrade OneCard be used for school?

Personal loans and Upgrade OneCards cannot be used for any post-secondary education expenses. This includes, but is not limited to, tuition, room and board, transportation, or supplies.

But, if you’re interested in:

- Paying off credit cards
- Consolidating your debts into one easy monthly payment
- Building or improving your business
- Making a large purchase

...then a [**personal loan**](/content/personal-loans/index.html) could be right for you!