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CSE Loans

Smart Option Student Loan® for CSE by Sallie Mae®

Smart Option Student Loan

For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

Get Started 

MKT10952 0515

 Information to have for application

This online application has been designed to be quick and easy for you to complete. Before starting, we recommend you (and your cosigner, if applicable) have the following information handy:
  • Permanent address and current address, if applicable, along with previous address information if you've lived at your permanent address for less than one year.
  • Social Security numbers of both the student and the cosigner, if applicable.
  • School information, including GPA and academic period of enrollment.
  • Loan amount requested, as well as other financial aid you expect to receive.
  • Employment information.
  • Financial information, including monthly mortgage or rent payments.
  • Name and contact information for two personal contacts (not required for cosigners).

 ​Encouraging Responsible Borrowing

We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

This information is for borrowers attending degree-granting institutions only. You must attend a participating school or have attended one in an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower who is attending or has attended a school located in the U.S. applying 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.

1 As certified by your school and confirmed by Sallie Mae, less other financial aid received. Sallie Mae reserves the right to approve a lower loan amount than what the school has certified.

2 Interest rates for the Fixed and Deferred Repayment Options are higher than for loans with the Interest Repayment Option. Graduate student pricing on the Smart Option Student Loan is limited to students enrolling in a Masters/Doctorate level degree program. Graduate Certificate/Continuing Education course work is not eligible for graduate student pricing. Variable rates may increase after consummation. Interest is charged while you are in school and during the 6-month separation period. Any interest that remains unpaid when you enter full repayment will be added to your loan balance.

3 Either the borrower or cosigner (not both) must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the borrower’s monthly payment amount is successfully deducted from the designated bank account and is suspended during forbearances and certain deferments.

4 Primary borrower must enroll in Upromise to be earn a reward into his or her active Upromise account of 2% of the scheduled loan payment amount for each on-time payment during the in-school and separation periods. Loan payments must remain current to be eligible for the reward. The Smart Reward Benefit and Upromise membership are subject to the terms and conditions of the Upromise service, as may be amended from time to time. Terms and conditions apply to the Upromise service. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice. Go to upromise.com to learn more. Upromise accounts are not FDIC insured, carry no bank guarantee and may lose value.

5 This informational repayment example uses typical loan terms available to a freshman borrower who elects the Fixed Repayment Option and has a $10,000 loan with two disbursements and a 7.21% variable APR: 51 payments of $25 per month, 119 payments of $140.28 per month, and one payment of $114.17, for a total paid of $18,082.49. This informational repayment example uses typical loan terms available to a graduate borrower who elects the Fixed Repayment Option and has a $10,000 loan with two disbursements and a 6.16% variable APR: 27 payments of $25 per month, 59 payments of $207.17 per month, and one payment of $194.41, for a total amount paid of $13,092.44.

6 The release of a cosigner is at the sole discretion of Sallie Mae. Only the borrower may apply for cosigner release. The borrower must provide proof of graduation or successful completion of certification program, not be delinquent and have made 12 consecutive on-time payments of principal and interest immediately before applying, provide proof of income, pass a credit review that demonstrates a satisfactory credit history and the ability to assume full responsibility of the loan(s) individually, have no student loan(s) in default, must not be reported as 90+ days delinquent in the past 24 months, must not be in hardship forbearance and/or in a modified repayment program, be a U.S. citizen or permanent resident, and meet the age of majority in their state. Requirements are as of October 13, 2014, and are subject to change.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

Smart Option Student Loans are made by Sallie Mae Bank or a lender partner. Sallie Mae, Smart Option Student Loan, and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.

Information advertised valid as of June 26, 2015.

SLM Corporation and its subsidiaries, including Sallie Mae Bank and Upromise, Inc., are not sponsored by or agencies of the United States of America. 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.” Other logos are trademarks or service marks of their respective owners.

©2015 Sallie Mae Bank. All rights reserved. SMPL MKT11048 0715

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