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Competitive Graduate Rates:
Fixed rates: 2.89% to 14.99% APRfootnote 1
Variable rates: 3.75% to 13.38% APRfootnote 1

Lowest rates shown include the auto debit discount. Only the most creditworthy applicants who choose the interest repayment option may receive the lowest rate.

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Why medical students choose a Sallie Mae Loan

No upfront fees

Families saved over $345 million in PLUS origination fees over the last 10 years.footnote 2

Lower rates than grad PLUS are possible

More than 35,000 families got lower rates with us than grad PLUS in the last decade.footnote 3

Save money

Get a 0.25 percentage point reduction when you enroll in and make monthly payments with autopay.footnote 4

Up to 100% coverage

From tuition to living expenses, 100% of all your student’s school-certified costs can be covered.footnote 5

Planning to pursue a residency or fellowship?

Our support doesn’t end at graduation. Our medical and dental residency loans can help you cover board examination fees, interview travel, and moving costs. For law students, our bar exam loan can help you cover up to $15,000 in bar exam prep expenses.

 

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Find the right graduate loan for you

MBA
The online application process was easy, straight forward and the approval turn around time was quick. Thank you!
Lambert H.
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Apply in minutes with 3 simple steps

1. Tell us some basics

 

2. Choose your loan options

 

3. Sign and accept

 

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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. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

footnote Graduate School Loan and Graduate School Loan for Health Professions are for graduate students at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. 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., and apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident). Requested loan amount must be at least $1,000.

footnote 1. Advertised APRs for Graduate School Loan, MBA Loans, and Graduate School Loan for Health Professions assume a $10,000 loan with a 2-year in-school period, a 6-month grace, and the longest loan term offered. 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. Fee savings are based on a calculation of Sallie Mae loan volumes and PLUS origination fees charged over the past 10 years. This comparison reflects fee differences only and does not account for total costs of borrowing, which may vary depending on loan term, interest rate, and other factors.

footnote 3. Sallie Mae loans may be offered at a lower rate than PLUS depending on the creditworthiness of the applicant(s). Explore federal loans and compare to make sure you understand the terms and features. Private student loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.

footnote 4. The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. This benefit 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 5. For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time. 

footnote Graduate School loans loans are made by Sallie Mae Bank. 

footnote Information advertised valid as of 03/12/2026.

footnote SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.