Start your journey off strong with a college loan

  • Applying is fast and easy—start your college loan application today, with more than 3,000 eligible schools
  • Helping 300K+ students pay for college each year
  • Lending to more students than any other private student loan provider

 

Undergraduate Student Loans:
Fixed rates: 2.89% to 17.49% APRfootnote 1
Variable rates: 3.75% to 16.37% APRfootnote 1

Lowest rates shown include/APR shown includes the auto debit discount.

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Find the college loan that’s right for you

Need help paying for college? Find a student loan that checks all your boxes. 

Undergraduate student loans

For bachelor’s and associate degrees, plus certificates from degree-granting schools.

See my ratefootnote 2

Graduate student loans

For graduate degrees and other master’s and doctorate programs.

See my ratefootnote 2

Career training student loans

For professional training or certificate courses like culinary, aviation, technical, and more.

See my ratefootnote 2

MBA
Sallie Mae has been really easy to work with, and the monthly payment system is low-stress and manageable.
Sophia P.

Massachusetts

It’s easy to get
started

Follow these steps:

1. Tell us the basics

 

2. Customize your loan 

 

3. Sign and accept

 

Apply for loan

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 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., 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 undergraduate students assume a $10,000 loan with a 4-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. 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 Sallie Mae loans are made by Sallie Mae Bank. 

footnote Information advertised valid as of 04/28/2026.

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.