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Automatic debit (recommended)

When you enroll in auto debit, you can choose to pay the Current Amount Due, which is the amount required to be paid each month until the loan is paid in full, or you can choose to pay more each month, which may help lower your Total Loan Cost. There’s no penalty for paying early or paying extra. Each month, we’ll automatically withdraw your payment from the authorized bank account. If you make an additional payment while enrolled in auto debit, it will not change the amount we withdraw.

By enrolling in auto debit, you can help ensure your payments are made on time each month. You need to be current with your loan payments to enroll.

Remember, additional payments can be made online at any time.

Enroll in auto debit


Online payments

Log in to your account to add your bank account information. Once you’ve added it, you can submit your personal loan payment electronically each month.

If you have multiple bank accounts, you can make your personal loan payments from a different bank account if you want to. Just remember to schedule the payment every month. Payments made online will be effective the same day for which they are scheduled. However, payments may not be reflected in your online Transaction History for 2 – 4 days after the effective date.


By phone

You can make personal loan payments through our automated phone system. Just call 800-472-5543 (800-4-SALLIE) and have your bank account information ready.

Payments by phone will be effective the same day for which they are scheduled. However, payments may not be reflected in your online Transaction History for 2 – 4 days after the effective date.


By mail

You can also make personal loan payments by mailing a check or money order. Allow at least 7 – 10 days before your due date for your payment to be credited in time. If your payment is late, you may be charged a late fee. A returned check fee may be charged if your check doesn’t clear for any reason, including insufficient funds.

How to pay by mail

  • Include the remittance slip and 16-digit Loan Number with your payment to ensure it is properly applied to your loan.
  • Make your check or money order payable to Sallie Mae and mail your payments to the payment address.
  • We cannot process instructions written on the check or remittance slip.
  • Payment address:
    Sallie Mae
    P.O. Box 8588
    Philadelphia, PA 19101-8588

Third-party bill-pay services

Third-party bill-pay services may include payment services offered by your financial institution. Provide them with the applicable 16-digit Loan Number and allow at least 7 – 10 days before your due date for your payment to be credited in time.

How to pay with a third-party bill-pay service

  • Provide them with the applicable 16-digit Loan Number
  • Make sure your loan payment is directed to Sallie Mae at this payment address:
  • Sallie Mae
    P.O. Box 8588
    Philadelphia, PA 19101-8588


Late personal loan payments
You may be charged a late fee if you don’t pay your loan’s Current Amount Due (and any Past Due Amount) within 15 days after the Current Amount Due Date. The late fee amount is listed on your loan’s disclosure and your billing statement.

Late payments may also be reported to consumer reporting agencies, which could negatively impact your credit report.

When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.