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Pay For College the Smart Way


The Smart Option Student Loan® by SallieMae® offers these benefits:

A choice of competitive rates for undergraduate students

Low, variable interest rates from 2.25% APR to 9.37% APR. We also offer fixed interest rates from 5.74% APR to 11.85% APR.

Rewards for paying on time

Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly in-school payments that are made on time while in school with the Interest and Fixed Repayment Options.

Lower your interest rate

Receive a 0.25 percentage point interest rate reduction while enrolled for making scheduled monthly payments by automatic debit.

Get the money you need

Borrow up to 100% of your school-certified cost of attendance (minimum $1,000).

Choose the repayment option that's best for you

Deferred Repayment, Fixed Repayment, or Interest Repayment.

It's easy to apply! You can get a credit result within minutes. Apply Today! 



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