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Smart Option Student Loan®

Its flexibility makes it an ideal solution for students and families who still need money for college after using grants, scholarships and federal student loans.
The Smart Option Student Loan offers these benefits:

  • Variable interest rates start from 4.00% APR to 10.86% APR.1
  • Defer your payments until after school or choose an in-school repayment option1
  • No origination fee and no prepayment penalty
  • Borrow up to 100% of the school-certified cost of attendance3

Applying online is easy—it only takes about 15 minutes to apply and get a credit result. Learn More

Borrow Responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
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 1,3 Click here for important information. Terms, conditions and limitations apply.

This information is for borrowers attending degree-granting institutions only. You must be attending or have attended a participating school located in the U.S. during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Information advertised valid as of 4/25/2018.


The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners.

SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
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