Don't stress over the FAFSA® status

You don't need to wait for your financial aid package to be finalized before starting an undergraduate student loan application.


Fixed rates: 4.15% - 15.49% APRfootnote 1
Variable rates: 5.37% - 15.70% APRfootnote 1

Lowest fixed and variable rates include the auto debit discount.

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To show up for all your small moments and big milestones from day one to after graduation. To support you beyond paying for school.

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$2,000 scholarship to help you pay for schoolfootnote 2

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Pay less for college. For real.

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Discover scholarships we offer for students from historically underserved communities in partnership with Thurgood Marshall College Fund.

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footnote Borrow responsibly
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.

footnote Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

footnote 1. 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.

footnote 2. No purchase necessary. Void where prohibited. Odds of winning depend on number of entries received. Ends 12/31/2024. See Official Rules.

footnote Sallie Mae loans are made by Sallie Mae Bank.

footnote Information advertised valid as of 7/12/2024.