need money for college?
you can get as much
as you need for college . . .1

. . . and save money,
build good credit, and
pay off your loan faster

  • introducing the Sallie Mae Smart Option Student Loan SM
  • designed to shorten loan pay off time - saving you money
  • borrow up to the full cost of education, less other aid received 1
 
 
 
 
   
 

Apply Online

or dial: 866-530-9523
start by estimating how much you need
Use your Sallie Mae Smart Option Student Loan to pay tuition, room and board, books, laptop, travel home, study abroad and other education-related expenses.
borrow up to the cost of attendance as certified by your school and confirmed by Sallie Mae, less other financial aid received 1
$1,000 minimum loan amount
use our calculator at right to estimate how much
we have a budget planning worksheet that can help budget aid and expenses needs:
FREE download
the loan requires interest-only payments made while in school and during the six-month separation period to avoid capitalized interest
join Upromise from Sallie Mae and earn rewards to help reduce your loan debt 5
get qualified before you apply
Pricing that rewards creditworthy borrowers
it is recommended that you have a qualified co-signer such as a parent or another creditworthy adult in order to qualify for the loan and to get a better rate
the Sallie Mae Smart Option Student Loan has interest rates that reward good credit - interest rates are variable and are reset monthly based on the one-month LIBOR
you must attend an eligible community college, traditional college or university, or eligible graduate program at least half time
available for U.S. citizens enrolled in eligible study abroad programs or studying at medical schools outside the U.S.
in some circumstances, the Smart Option Student Loan is available to less than half-time students. Contact your financial aid office for more information
international student are eligible with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and U.S. Citizenship & Immigration Service (USCIS) documents
ready - submit your application
Use our easy, no hassle online application with fast credit decision and electronic signature ("eSign")
you can start your application online, save it, and return later to finish and submit - use our 24/7 online account management
get a preliminary approval instantly
combined billing is available for Sallie Mae-serviced student loans
no prepayment penalty
you may be able to deduct the interest you pay on a qualified student loan 4

One More Important Item

use these FREE student aid tools
complete directory of valuable tools:
some helpful tools and files to aid your search for student loans and other financial aid
student aid tally sheet for tracking aid needs
student financial aid road map
summary financial aid charts
student aid budgeting worksheet (excel file)
many more tools

 

don't wait another minute!

Apply Online for Private Student Loans

or dial: 866-530-9523

finance your college needs now!

Private Student Loan application

get assistance
dial: 866-530-9523

use this tally sheet
to track funds

FREE budgeting wkst
to manage money

Calculate How Much
Money You May Need

Add Up Your Costs
Tuition
Housing-Food
Books-Supplies
Laptop-Software
Transportation
Other
Enter $$$ You Now Have
Stafford Loans
PLUS Loans
Scholarships
Work Wages
Other Gift Aid
Personal Savings
Total Cost
Total Aid
Extra Funds Needed
Apply Online

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Private Student Loans - Private Education Loans Guide and Application


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