Benefit from these features — with any loan used for undergraduate or graduate school expenses
Choose the student loan that's right for you
Competitive interest rates
No origination fee or
prepayment penalty1
Multiple repayment options
Undergraduate student loan
Smart Option Student Loan® for Undergraduate Students
For bachelor's and associate's degrees or a certificate at a degree-granting school
Variable rates: 1.62% – 11.73% APR2
Fixed rates: 3.75% – 12.85% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment8, or Interest repayment
Borrow from $1,000 up to 100% of the school-certified expenses.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Apply to release your cosigner from your loan after you graduate, make 12 on-time principal and interest payments, and meet certain credit requirements.7
Loan term: 10 – 15 years of principal and interest payments.8
Loans for graduate students
MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree
Variable rates: 2.37% – 11.87% APR2
Fixed rates: 4.75% – 12.11% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,9 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 15 years of principal and interest payments.9
Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
Variable rates: 2.37% – 11.73% APR2
Fixed rates: 4.75% – 11.97% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,10 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 20 years of principal and interest payments.10
Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
Variable rates: 2.37% – 11.73% APR2
Fixed rates: 4.75% – 11.98% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,11 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 20 years of principal and interest payments.11
Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health degrees
Variable rates: 2.37% – 11.87% APR2
Fixed rates: 4.75% – 12.11% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,12 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 15 years of principal and interest payments.12
Law School Loan
Pay for your school and associated expenses as you study for your law degree
Variable rates: 2.37% – 11.73% APR2
Fixed rates: 4.75% – 11.98% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,13 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 15 years of principal and interest payments.13
Graduate School Loan
Pay for your school and associated expenses as you pursue your master’s or doctoral degree
Variable rates: 2.37% – 11.87% APR2
Fixed rates: 4.75% – 12.11% APR2
Lowest rates shown include the auto debit discount
3 repayment options during school and grace.2 Deferred repayment, $25 Fixed repayment,14 or Interest repayment
Borrow from $1,000 up to 100% of the school-certified cost of attendance.3
4 Months of free Chegg Study®
Get anytime, anywhere study and homework support.4
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 15 years of principal and interest payments.14
Bar Study Loan
For expenses associated with fees and living costs as you study for the bar exam
Variable rates: 3.15% – 12.80% APR15
Fixed rates: 5.25% – 13.66% APR15
Lowest rates shown include the auto debit discount
Borrow from $1,000 up to $15,000
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Bar Study Loans are intended to cover expenses not included in your school's cost of attendance.
This loan is for students who are enrolled at least half-time in their final year of study at a participating ABA-accredited law school, or have graduated from one within the last 12 months. Students should be sitting for the bar exam no later than 12 months after graduation. Students who are not U.S. citizens or U.S. permanent residents must reside 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 to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Medical Residency and Relocation Loan
For expenses associated with taking board examinations, travel for interviews, and moving for your medical residency
Variable rates: 3.15% – 8.81% APR16
Fixed rates: 5.93% – 10.19% APR16
Lowest rates shown include the auto debit discount
Borrow from $1,000 up to $30,000
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Residency and Relocation Loans are intended to cover expenses not included in your school’s cost of attendance.
This loan is for students who are pursuing or have received a M.D., D.O., D.P.M., D.V.M., or V.M.D. degree. Students must be enrolled at least half-time in their final year of study at a participating allopathic, osteopathic, podiatric, or veterinary medicine school, or have graduated from one within the past 12 months. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend or graduate from a participating 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 to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Dental Residency and Relocation Loan
For expenses associated with taking board examinations, travel for interviews, and moving for your dental residency
Variable rates: 3.15% – 8.81% APR16
Fixed rates: 5.93% – 10.19% APR16
Lowest rates shown include the auto debit discount
Borrow from $1,000 up to $30,000
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Residency and Relocation Loans are intended to cover expenses not included in your school’s cost of attendance.
This loan is for students who are pursuing or have received a D.D.S., or D.M.D. degree. Students must be enrolled at least half-time in their final year of study at a participating dental school, or have graduated from one within the past 12 months. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend or graduate from a participating 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 to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Career Training Smart Option Student Loan
Pay for your professional training and trade certificate courses (culinary, technical, etc.) at a non-degree-granting school
Variable rates: 4.37% – 11.76% APR17
Fixed rates: 6.62% – 13.83% APR17
Lowest rates shown include the auto debit discount
2 repayment options during school and grace17 Interest repayment or $25 Fixed repayment18
Borrow from $1,000 up to 100% of the school-certified expenses.3
Rate discounts: Receive a 0.25 percentage point interest rate reduction after making your first 12 on-time principal and interest payments.5 Plus, get an additional 0.25 percentage point interest rate reduction for enrolling in and making monthly payments by automatic debit.6
Loan term: 10 – 15 years of principal and interest payments.18