The Sallie Mae Smart Option Student Loan®


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Loan Application & Solicitation Disclosures

For Fixed Rate and Variable Rate Loans

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.


1 Available on new Sallie Mae Smart Option Student Loans made to graduate students, with applications submitted April 1, 2013 or later.

Graduate student pricing on the Smart Option Student Loan is limited to students enrolling in a Masters/Doctorate level degree program. Graduate Certificate/Continuing Education course work is not eligible for graduate student pricing.