Helping families pay for school with confidence

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

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See what makes us the leading private student lender

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

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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 

Apply now
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 

Apply now
Graduate student loans

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

Rates vary by loan.

Apply now

See all private student loans

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. APRs shown are based on a $10,000 Undergraduate Loan with a fixed interest rate of 4.75% to 16.53%, variable interest rate of 6.63% to 17.75%, 4-year in-school period, 6-month grace/seperation period, and 10 years of pricinpal and interest payments. A variable APR 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. Variable APRs shown are the starting range of rates and SOFR changes may cause the APR to 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 Pricinpal at the end of the grace/seperation 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. APRs shown are based on a $10,000 Career Training Loan with a fixed interest rate of 4.75% to 16.53%, variable interest rate of 6.63% to 17.75%, 2-year in-school period, 6-month grace/seperation period, and 10 years of pricinpal and interest payments. A variable APR 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. Variable APRs shown are the starting range of rates and SOFR changes may cause the APR to 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 Pricinpal at the end of the grace/seperation 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 11/27/2023. 

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.