Applying for a Smart Option Student Loan is easy!
Having a creditworthy cosigner has many benefits, including the possibility of substantial savings on your total loan cost. A creditworthy cosigner can give you a greater chance of getting approved for your loan, the possibility of a lower interest rate, and an opportunity to establish a credit history. With your cosigner present, you both can complete the application together in just a few minutes.
We continue to offer our quick and easy application for adults who would like to apply individually.
To start your application, please have the following information available:
1. Social Security numbers
2. Monthly income and expense information
3. Personal references
Do you have other student loans? If so, please have that information on hand as well.
For the fastest results, you and your cosigner can complete the application at the same time.
If your cosigner is not present or if you are an adult who would like to apply individually,
click here.
To cosign an existing loan already in process,
click here.
*Students who are foreign citizens must be attending a U.S. postsecondary school and must apply with a creditworthy cosigner who is either a U.S. citizen or eligible permanent resident. Applicable documentation of residency is required.