Sallie Mae® Smart Option Student Loan®1
If you are an international student, you and your cosigner can apply online by clicking above. Or, learn more about the Smart Option Student Loan.
You can also call Sallie Mae to apply for a Smart Option Student Loan application.
- If you are inside the U.S., Canada, Puerto Rico, or the U.S. Virgin Islands, please call us toll-free at
- Callers in other countries outside the U.S. can reach us using our International number 302-451-0546302-451-0546
Hours of operation
Monday - Thursday 8:00 AM to 9:00 PM ET
Friday 8:00 AM to 8:00 PM ET
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.