Helping families pay for school with confidence

Our customer reviews show why millions trust our private student loans to fund their education journey.

See what makes us the leading private student lender

Sallie Mae has been good to me with my student loans. They are very kind in reminding me when I forget a payment. Their plans are very flexible.

Abbie M.

MN

Ease in assisting my young adult daughter, ease with co-signing her student loan, wonderful access to and tracking of records for her and for me. Nothing more I would hope for.

Anne H.

CO

I got denied from multiple loan agencies even though my mother (cosigner) has a credit score of 760! The customer support is amazingly helpful and is based in the US rather than some building in India which makes the process so much easier. Sallie Mae has made college possible and livable for me and I couldn't thank the Sallie Mae team enough. Love you all!

Brett P.

OR

Sallie Mae was incredibly easy and extremely helpful in fulfilling my goal to go to my dream school. They are highly recommended to anyone that asks me if there are any helpful educational loans out there.

Taliah G.

CO

Easy to understand and more than helpful in providing my children with a way to go forward with their education.

Michael L.

WI

Getting approved for a Sallie Mae loan was fairly simple and took a huge weight off my shoulders when it came to paying for my education.

Desirea M.

CA

I was in a bind paying for my college tuition when I reached out to Sallie Mae. Not only did I receive money for my tuition, but I also received travel expenses, book expenses, and money for me to live off of. I recommend Sallie Mae to anyone who needs money for school quickly. Thank you, Sallie Mae, for helping me.

Robin H.

NC

Sallie Mae has been GREAT to work with while looking for a student loan for my daughter, prior to her freshman year as well as going into her sophomore year this year. The process was very easy and not stressful at all.

Kecia G.

VA

I'm very pleased with this company because it was very easy to apply and the process was seamless. Once approved, they connected with the university and worked out all the details to process the payments on time.

Martha Z.

CA

Sallie Mae has been such a BLESSING for me and my college experience. There are typically not funds available through FAFSA for the summer term. I was able to reach out to Sallie Mae and they afforded me the finances to be able to attend in the summer term. Everyone has been so helpful with the financial piece of my journey. 

Annette S.
AL

Without Sallie Mae, I wouldn't have had the opportunity to graduate. Plain and simple.

Eric B.
IL

A private loan helped me get through my last semester in college when I ran out of my grant and federal loan money and had to quit my job to take the additional unit I needed to graduate. That unit put me over a full class load and required full time involvement in school. I later got an easy part time job to pay for the rest of my expenses, but my Sallie Mae loan helped me finally attain my Bachelor's degree in Studio Arts. Now I teach elementary school art in Florida.

Ashley A.
CA

Easy to apply and understand, interest is reasonable, and repayment plans are flexible. Also, the smart student option enables students to build a line of credit in a very affordable manner.

Luke H.
NJ

College expenses came quickly for my family. Sustained economic instability did not allow me to save money properly when it was time for my 3 daughters to go to college. Sallie Mae allowed my family to continue the path to be a productive American Family.

Michael F.
NJ

Sallie Mae makes it super easy to apply, let alone the amazing customer service you get when picking up the phone. I called because I had one question and she offered to help me do the entire application and answered all my other questions.

Madison B.
TX

Sallie Mae helped with funds for my sons! Without those funds it would have been difficult for them to attend college and obtain their degrees. Both are now living their own lives and are doing great!

William W.
NC

Always easy to work with. When every other part of school is hectic, you guys make the process easy.

Jason B.
PA

There are pros and cons to loans in general. However, Sallie Mae was very understanding when I needed a reduction in monthly payment amount due to financial difficulties.

Michael S.
TX

I needed extra financial help for additional college courses and I turned to Sallie Mae when I was informed I reached my limit on funds available from government student loans. The online application process was easy, straight forward and the approval turn around time was quick. Thank you!

Matthew S.
AR

I used Sallie Mae when my son reached his maximum loan amount from Federal Student loans. It's a great alternative for students and parents when other avenues are closed. I am grateful and I appreciate that Sallie Mae was able to assist us.

Paula S.
AR

Sallie Mae was a fairly simple process when applying for my loan, and the automatic payments I set up has yielded a smooth payback process.

Kelly J.
NC

blue swoop

 

 

Need a student loan?
See how Sallie Mae can help.

Applying for a private student loan with Sallie Mae is fast and easy, with more than 4,000 eligble schools.

Cover up to 100%
of school-certified costsfootnote 1
Multiple ways to repay during school
ZERO origination fees

Student loans built with you in mind

We provide you with a number of different paths to get you started on your educational journey. To start, just choose the right student loan for you.

Undergraduate student loans

Fixed rates: 
4.50% APRfootnote 2 – 15.49% APRfootnote 2

Variable rates:
6.37% APRfootnote 2 – 16.70% APRfootnote 2

For college students earning a bachelor's or associate's degree, or a certificate at a degree-granting school.

Lowest rates shown include the auto debit discount.footnote 3 

Career training student loans

Fixed rates: 
4.50% APRfootnote 4 – 15.69% APRfootnote 4

Variable rates:
6.37% APRfootnote 4 – 16.78% APRfootnote 4

For students taking professional training or certificate courses (such as culinary, aviation, technical, etc.).

Lowest rates shown include the auto debit discount.footnote 3 

For graduate students seeking loans for medical, dental, health professions, MBA, law, and master's/doctorate degree expenses.

Rates vary by loan.

footnote Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should 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., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

footnote All reviews on this page were provided by customers who completed Net Promoter Score (NPS) surveys. Reviewers were not compensated by Sallie Mae for providing their review.

footnote 1. 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 may be subjected 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 2. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. 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 3. 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 4. Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. 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 Sallie Mae loans are made by Sallie Mae Bank.

footnote Information advertised valid as of 4/25/2024.

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.