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LOOK FORWARD TO AN AMAZING YEAR

We’ve got you covered! Get the money you need to pay for school—even books, a
laptop or travel.1


VARIABLE RATES: 4.62% - 14.96% APR2

FIXED RATES: 4.50% - 14.83% APR2

Lowest fixed and variable rates include the auto debit discount.

I’m ready to apply
See all student loans




PAY LESS FOR COLLEGE. 
FOR REAL.

Get as much free money as you can, so you can spend less out of pocket on your
education.

FIND SCHOLARSHIPS THAT MATCH YOUR SKILLS AND INTERESTS

Get personalized suggestions for scholarship opportunities.

Find scholarship recs

HELPING MORE STUDENTS ACCESS EDUCATION

Discover scholarships we offer for students from historically underserved
communities in partnership with Thurgood Marshall College Fund.

Check out our scholarships


LEVEL UP YOUR COLLEGE PLANNING SKILLS

We’re here to help you through each step of your college journey, providing the
free tools, resources, and insider info you need to plan with confidence.

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Previous

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Survey

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See how strengthening your score can lower your loan costs and help you reach
goals like renting an apartment.


Get FICO Score facts

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See how other students are paying for college


Our survey results show you how much students spend on their education, and why
many miss out on getting free money.


Check out results

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See how strengthening your score can lower your loan costs and help you reach
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How-to

Tips for paying off your student loans faster


Understanding the differences between these two types of loans can help you
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Get payoff tips

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Next


GET SOME INSPO FOR YOUR JOURNEY

We’ve got plenty of good vibes, confidence-boosting tips, and inspiring student
stories to share.

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--------------------------------------------------------------------------------

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.

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.

1. Loan amount cannot exceed the cost of attendance less financial aid received,
as certified by the school. Sallie Mae reserves the right to approve a lower
loan amount than the school-certified amount. Miscellaneous personal expenses
(such as a laptop) may be included in the cost of attendance for students
enrolled at least half-time.

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.

Sallie Mae loans are made by Sallie Mae Bank.

Information advertised valid as of 12/27/2022.

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.

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marks of Sallie Mae Bank. All other names and logos used are the trademarks or
service marks of their respective owners. SLM Corporation and its subsidiaries,
including Sallie Mae Bank are not sponsored by or agencies of the United States
of America.


 






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