SALLIE MAE SMART OPTION STUDENT LOAN®

With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan offers multiple repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

Benefits

• Competitive interest rates—2.25% APR to 9.37% APR1 
• No origination fees1 and no prepayment penalty
• Pay now or later—defer your payments until after graduation or choose an in-school repayment option that fits your needs2 
• Get a 2% Smart Reward® in your Upromise® account when you make scheduled monthly payments on time while in school3 (Not available with the Deferred Repayment Option) 
• Earn a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit4
• Borrow up to 100% of your school certified education costs (minimum $1,000)
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate 
• You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments5 

APPLY NOW  https://www.salliemae.com/
1,2,3,4,5 Visit Salliemae.com/terms/sosl for additional information. Terms, conditions and limitations apply.