Cover your school costs with a Sallie Mae student loan.
Through our partnership with Sallie Mae®, you can explore student loans designed specifically for your program and your budget so you can stay focused on what’s next.
All loans come with:
- Competitive fixed and variable interest rates
- No upfront fees or prepayment penalties¹
- Multiple repayment options that work for a student’s budget
- Up to 100% coverage for school-certified expenses—tuition, fees, books, housing, meals, travel, and even a laptop2
- Can apply for cosigner release after graduating, making 12 on-time payments, and meeting other eligibility requirements3
Loans for every program
Choose a loan tailored to the cost of your specific program, whether you’re pursuing an undergraduate, medical, dental, law, MBA, master’s, or doctoral degree.
Taking classes online?
Whether you’re completing a full degree online, taking a few classes, or earning a certificate, these loans can help keep you moving forward—wherever you’re studying from.
Save money with automatic payments
Reduce your interest rate by a 0.25 percentage point when you sign up for and make automatic payments—even small rate changes add up.4
It’s easy to apply and it takes just minutes
Here’s to your next step forward. Find out which loan is right for you.
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.
Sallie Mae loans may be offered at a lower rate than PLUS to highly-qualified applicants with strong credit profiles. Explore federal loans and compare to make sure you understand the terms and features. Private student loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income. Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Sallie Mae loan customers.
Sallie Mae loans are made by Sallie Mae Bank.
1. Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note — first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
2. For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
3. Only the borrower may apply for cosigner release. To do so, they must first meet the age of majority in their state and provide proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if their status has changed since they applied). In the last 12 months, the borrower can’t have been past due on any loans serviced by Sallie Mae for 30 or more days or enrolled in any hardship forbearances or modified repayment programs. In addition, the borrower must have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. The loan can’t be past due when the cosigner release application is processed. The borrower must also demonstrate the ability to assume full responsibility of the loan(s) individually and pass a credit review when the cosigner release application is processed that demonstrates a satisfactory credit history including but not limited to no: bankruptcy, foreclosure, student loan(s) in default or 90-day delinquencies in the last 24 months. Requirements are subject to change.
4. The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. This benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
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