The Smart Option Student Loan® by Sallie Mae® is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates, provides even more flexibility
  • No origination fees and no repayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • United States-based Student Loan Specialists