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Customer Tips


“My college experience has been awesome! I've made great friends while pursuing my dream. College has turned me into a responsible adult and has helped me become more social. My secret to making on time in-school payments is my mother. She is constantly on my case about keeping a good credit and making sure I have my responsibilities in order. I would tell other students not to procrastinate and if they are able to get a head start on paying back their loans, go ahead.”

– Sharibel, New York, NY


“I am trying to pay off my college loans as I go. I work, and keep a savings account for money to go towards my loans. I also pay some monthly. I try to give $50 a month to paying off some form of payment. It's a small amount, but it will add up eventually. I recommend everyone saving a little bit each week, or giving a little each week. It'll feel nice when you see that $0 due at the end of it.”

– Mikayla, Concord, NH

“Sallie Mae has this really efficient way of making those payments on time. If you call Sallie Mae and talk to a representative, they can help you set an amount to be taken out of your account every month. You can do this if you're doing well with your job and want to get a jump on your payments.”

- Matthew, Strasburg, VA

"Ever since high school, I knew I wanted to be an attorney. I was able to meet that career goal by attending a great college and law school. Without my education, I do not know where I would be working today. I have the Upromise MasterCard® and use it regularly like cash. I routinely earn over $20 a month from those purchases toward my Sallie Mae student loan debt1. Upromise is a phenomenal vehicle that every student, graduate, or family member of a student or graduate should be using. It is a no-brainer. I have saved close to $1,900 with Upromise so far, and counting."1

- Kevin P., Massachusetts

Michelle C.

"Make a payment plan and make a goal, and stick with it. If you break it, then re-define your plan/goal. It is important to have a goal so you can stay focused on paying your loan."

- Michelle C., Alabama

"I needed to find new employment. Sallie Mae worked with me; they explained the options I had available and helped me get back on track…You never know when your circumstances are going to change. But that’s when you need to reach out and ask for help and explain what is happening. It might be hard at first, but you’ll find people like Sallie Mae ready and willing to work with you. It’s up to you to take the first step."

- Christina B., Louisiana

"The personal benefit my education provided me was the experience afforded to me as I tried to obtain my degree. I truly learned what hard work and sacrifice are. While all my friends were out having fun on weekends in college, I was working 10-hour shifts at a restaurant to try and make ends meet. Now, out of college, I have practiced that same lifestyle and have been able to pay off my college loans."

"I've been able to manage my college loan payments by saying "no" to myself. I didn't go on a honeymoon when I got married, I found the cheapest apartment I could, and I live on a budget. It's not fun, but it's necessary. I would suggest that others who have college loans establish a budget early on and learn what truly is a necessity and what is not...I paid off $20,000 in student loans in four years. It can be done."

- Amy G., Pennsylvania

Samuel B.

"Make sure to pay your student loan on time. You have been given the gift of education and Sallie Mae will make your education dream possible. Be sure to keep your end of the bargain and pay your bill. If you do, you will have a great credit history. I am now purchasing my first home and have a great interest rate due to the credit history I built up paying my loan payments on time!"

- Samuel B., Oregon

"I have been trying to apply ‘extra’ money toward my minimum payments each month of my lowest bill. My goal is to have all of my Sallie Mae loans paid off in the next five years. I have paid $4,000 extra using the Upromise program, just through my normal use of the credit card."1

- Melissa C., Connecticut

"It’s simple to use Upromise, and I don't have to do anything out of the ordinary. I shop at the same stores and online sites, except now I earn cash back simply for routing to the site through Upromise. I also take surveys with e-Rewards, which transfers my earnings to Upromise. I love to see that quarterly transfer from Upromise to my Sallie Mae loans! My advice to others is to make a budget. It's often surprising to see where your money actually goes each month. You might realize you can cut out that morning coffee run and instead use that money for loan payments."

- Laura V., California

"I made all of my loan payments online. That method was especially helpful because it allowed me to view my account at any time, see payments that I had made, and helped me make sure that I was on track and up to date. It also reduces, reuses, and recycles, because you’re not receiving any paper statements. It feels unbelievable to know my loan is paid. I recently got engaged, and now we can save more for the wedding and buy a house. Education is something to be valued and respected. No matter what profession you may choose, a college education will broaden your horizons, make you a better person and, ultimately, help you to teach other people. That’s always a positive thing."

- Erica C., Pennsylvania

1 This is an active Upromise member. Individual earnings vary depending on spending habits and level of engagement in Upromise. Includes earnings with Upromise online partners and the Upromise credit card.

2 This is an active Upromise member. Individual earnings vary depending on spending habits and level of engagement in Upromise. Includes earnings with Upromise online and offline partners and the Upromise credit card.

3 This informational repayment example uses typical loan terms available to a graduate borrower who elects the Fixed Repayment Option and has a $10,000.00 loan with two disbursements and a 7.35% variable APR: 27 payments of $25 per month, 59 payments of $218.76 per month, and one payment of $202.07, for a total paid of $13,783.91. Variable rates may increase after consummation.