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Private Student Loans for Undergraduates

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A cosigner can really pay off


A cosigner can help you qualify

If a parent or other creditworthy individual cosigns the loan with you, it can help lower your interest rate - and give you a better chance of approval.

Easier cosigner release
You can apply to release your cosigner after you graduate and make 12 consecutive, on-time principal and interest payments.

Parents - Looking for a loan for your child?

It's important to explore your options. Click here to learn about the differences between the Sallie Mae Smart Option Student Loan® and the PLUS Loan for Parents.


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Additional Private Student Loan Information for Undergraduates

Sallie Mae helps simplify the process of financing an undergraduate education, with a selection of competitive private student loans. With loan features such as low interest rates, full education coverage, a choice of repayment-options, and rewards for paying loans on time, you can worry less about financing your education - and invest more of your energy towards being a student.

Encouraging Responsible Borrowing

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

 
 
Undergraduate Private Student Loan Benefits

Smart Option Student Loan®

Financing an undergraduate education is simpler than it may seem. Our Smart Option Student Loan® offers undergraduates the choice of three repayment options:

  • Deferred Repayment - Pay Later2
  • Fixed Repayment - Pay Less Now2
  • Interest Repayment - Pay More Now

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Career Training Smart Option Student Loan

If you're a qualifying student who's attending a non-degree-granting institution for career training, our Career Training Smart Option Student Loan® can help finance your education with competitive interest rates and a choice of repayment plans.

Learn More 

Additional Private Student Loan Information for Undergraduates

As an undergraduate student, you have a lot on your mind — whether it's moving away from home and adjusting to college life, or studying hard to make those grades. Moreover, many students first get involved with major finances — such as student loans — during their undergraduate years, adding to the responsibility of being a college student.

Sallie Mae helps simplify the process of financing an undergraduate education, with a selection of competitive private student loans. With loan features such as low interest rates, full education coverage, a choice of repayment-options, and rewards for paying loans on time, you can worry less about financing your education — and invest more of your energy towards being a student.

Encouraging Responsible Borrowing

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

 

Smart Option Student Loan®

Offers students seeking associates or bachelors degrees variable or fixed interest rates, repayment options and no origination fees.

 

Career Training Smart Option Student Loan®

Offers students attending certificate or trade schools competitive interest rates, repayment options, and rewards for paying on time.

 
 
 

Credit criteria and eligibility requirements apply.

1 As certified by your school and confirmed by Sallie Mae, less other financial aid received. Sallie Mae reserves the right to approve a lower loan amount than what the school has certified. Requested amounts exceeding $99,999 may require multiple loans.

2 Interest rates for the Fixed and Deferred Repayment Options are higher than for loans with the Interest Repayment Option. Variable rates may increase after consummation. Interest is charged while you are in school and during the 6 month separation period. Any interest that remains unpaid when you enter full repayment will be added to your loan balance.

3 Only the borrower may apply for cosigner release. The borrower must provide proof of successful completion of school, be a U.S. citizen or permanent resident, be current and have made 12 consecutive on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed.

Smart Option Student Loans and Career Training Smart Option Student Loans are made by Sallie Mae Bank® or a lender partner.

Information advertised valid as of 3/25/2014.

WE RESERVE 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.

The Sallie Mae logo, Sallie Mae, Sallie Mae Bank, Smart Option Student Loan, and Career Training Smart Option Student Loan are registered service marks of Sallie Mae, Inc.