Student Loans
If you have exhausted your Federal Student Loan options and are still in need of financial help, you may want to consider loans from Private Lenders. Private Lenders rates will vary depending on your circumstance. To get a quick and free assessment, check out one of the student loan offers below.
Private Student Loan Offers
- APR starting at 4.44% (includes auto-pay discount)
- Apply in as little as 3 minutes and get an instant credit decision
- No application, origination, or prepayment fees
- Covers up to 100% of your costs including tuition & other fees (minimum $1,000)
- Multiple repayment options from deferred to immediate principal and interest
- Choice of how long you take to repay the loan - 5, 8, 10, or 15 years
4.44% APR
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- *Fixed rates from 4.5% APR to 14.83%
- Variable or fixed-rate student loan options put you in control
- One loan gets the money you need for the entire school year
- Multiple payment options including deferring payments during school
- No origination fee
4.50% APR
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*Lowest rates shown include the auto debit. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month.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. Advertised APRs are valid as of 5/25/2023. Loan amounts: 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 may be subjected 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. Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a Total Loan Cost of $23,134.44. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years.