Smart Option Student Loan

Get the money you need to help make higher education happen. Whether you’re an undergraduate student, graduate student or parent helping a student pay for school, these flexible loans068 are designed to meet your needs. The Smart Option Student Loan is offered through Sallie Mae. 


  • Competitive variable and fixed interest rates

  • No origination fee or prepayment penalty069

  • Multiple repayment options


Smart Option Student Loan® for Undergraduate Students Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school.


Graduate School Loan Pay for expenses as you pursue your master’s and doctoral degrees.

MBA Loan Pay for your business school expenses as you pursue your masters of business administration.

Medical School Loan Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.

Dental School Loan Pay for your dental degree expenses in general dentistry, orthodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.

Health Professions Graduate Loan Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan Pay for your school and associated expenses as you study for your law degree.


Parent Loan Help your student by taking responsibility with a loan in your name.

Borrow Responsibly

We encourage borrowers to start with savings, grants, scholarships, and federal student loans to pay for college. Borrowers 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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