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Upromise Loan Link®

Here's another advantage of having a Sallie Mae Student Loan: Upromise Loan Link®

When you join Upromise, you can earn rewards on everyday purchases from participating companies. Rewards can be used toward higher education expenses. And now with Upromise Loan Link, you can also transfer all or some of your rewards to your Sallie Mae student loan account to help pay down your eligible Sallie Mae student loans.1

It's easy to get started.

  1. Join Upromise, register your grocery, gas, and credit cards and start saving when you purchase everyday items at participating merchants. With our new and improved online shopping program, you can enjoy 5% cash back by making eligible online purchases through Upromise2. You can see your earnings accumulate in your Upromise account with just a click of a button. Enroll today!
  2. Link your Upromise account to your Sallie Mae student loan account through Upromise Loan Link. It's simple!
  3. Help pay down student loans. Sallie Mae will transfer designated Upromise earnings balances of at least $10 to your eligible Sallie Mae student loan account monthly.

Not sure if your lender participates in Upromise Loan Link? Check and see: Does my lender participate?

Get Started Today  


1 Only the student loan borrower can link Upromise and loan accounts. Cosigners, parents, family and friends may direct their Upromise earnings to the Upromise account of a student loan borrower to help them pay down their loans. Not all student loans may be eligible for linking. To view details and how Upromise earnings are applied to student loans please visit Upromise account balances of $10 or more will be transferred to help pay down linked student loans on a monthly basis. If you have multiple eligible loans, allocation of your Upromise earnings will depend on the loan type and are at the sole discretion of Upromise and Sallie Mae. Access to Upromise is not limited to Sallie Mae and Navient loan customers. Primary borrower must enroll in Upromise to be eligible to earn a reward into his or her active Upromise account of 2% of the scheduled loan payment amount for each on-time payment during the in-school and separation periods. Loan payments must remain current to be eligible for the reward. The Smart Reward Benefit and Upromise membership are subject to the terms and conditions of the Upromise service, as may be amended from time to time. Terms and conditions apply to the Upromise service. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice. Go to to learn more.

2 Product and partner exclusions and limitations to the 5% cash back apply. Go to for a list of cash back amounts by partner. Please see the deal details associated with the offer for full offer terms and conditions.

Cosigners can transfer their Upromise earnings to the loan they cosigned by requesting a check periodically or by linking their eligible account to the student borrower’s Upromise account through our Family & Friends program.