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Student Loans

The Smart Option Student Loan® offers students seeking associates and bachelors degrees savings, flexibility and more.

  • Fixed or variable rates
  • Three repayment options
  • No origination fees

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Enrolled in a certificate program or trade school?

Career Training Smart Option Student Loan®


Student Loans

The Smart Option Student Loan® offers students in masters and doctoral programs value and choice of three repayment options.

  • Range of APRs that can be lower than the PLUS Loan for highly qualified Graduate Students1
  • No origination fees

Get Started  

Learn more

Enrolled in a specialty graduate program?

Bar Study Loan®

Medical Residency & Relocation Loan®

Dental Residency & Relocation Loan®


Managing Your Loans

Your resource for managing your Sallie Mae private student loans — including payment how-to's, forms, cosigner responsibilities and release information, plus tips for success, whether you're in school, in grace, or in repayment.

Learn more about managing your loans
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1 Explore federal loans and compare to ensure you understand the terms and features. Smart Option Student Loans that have variable rates can go up after consummation. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.