Competitive variable and fixed interest rates
Choose student loans with fixed and variable rates. Do you have good credit? Use your creditworthiness to lower your rate.
No origination fee or prepayment penalty1
Applying with a creditworthy cosigner may help you qualify. With no origination fee, this loan is designed to save you money.
Multiple repayment options
Our student loans offer in-school repayment options, with no prepayment penalty if you’re able to pay faster than planned.
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.
Pay for your business school expenses as you pursue your Masters of Business Administration degree.
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, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.
GRADUATE SCHOOL LOAN FOR HEALTH PROFESSIONS
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.
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.
These loans are made by Sallie Mae Bank or a lender partner. USE Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Parent Loan: This loan must be used to pay for eligible student expenses at participating degree-granting schools. The student cannot be a borrower or cosigner and is not responsible for repaying the loan. The borrower, cosigner, and student must be U.S. citizens or U.S. permanent residents. If the school issues a refund directly to the student, the borrower and cosigner (if applicable) are still responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1. Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
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