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Sallie Mae Home * Student loans Main Menu Main Menu Main Menu Student loans All private student loans * Undergraduate student loans * Graduate student loans * Graduate student loans * Bar study loans * Health professions graduate loans * Dental residency and relocation loans * Graduate school loans * Dental school loans * MBA loans * Law school loans * Medical school loans * Medical residency and relocation loans * Career training & trade school loans Get ready to borrow * What happens after your loan is approved * Interest and repayment options * Consider a student loan with a cosigner * Decide how much to borrow * Decide how much to borrow * Graduate with manageable debt * What affects your total student loan cost * How to apply for a student loan * Understand private student loans for college Graduate school information * Graduate school Grants & fellowships * Other ways to pay for graduate school * Consolidating or refinancing your student loans * Manage your debt * Understanding graduate student loans * Graduate school scholarships * Financial aid for graduate school * How to Pay for Grad School * How to Pay for Grad School * Paying for health professions graduate school * How to pay for law school * How to pay for medical school * Paying for dental school * Paying for an MBA Manage your private student loans * Get help with special circumstances * Get help with special circumstances * Deferring payments for school/internship * Life changes * Payment difficulties * Learn about credit * Learn about credit * Your credit report * Your FICO® Score * Get tax information and forms * Prepare to pay your student loans * Prepare to pay your student loans * Estimate your upcoming student loan payments * Tips for student loan repayments * Graduated Repayment Period * Organize your student loans * Ways to make student loan payments * Apply to release your cosigner * Understand student loan payments * Understand student loan payments * Explore student loan repayment options * Learn about interest and capitalization * Pay off your student loan faster * Federal student loan repayment info * How we allocate and apply your student loan payments * Billing statement terms and glossary * Student Loan Indexes: LIBOR & SOFR * Student loan servicing forms * Understand student loan military benefits * Understand student loan military benefits * Manage accounts during military service * Tips for service members Redeem your Chegg benefit * College planning Main Menu College planning Make a Plan * CollegeFit Pro * FreeMoney Pro * YourMoney Pro * OnCampus Pro Find Free College Scholarships * Types of scholarships * Types of scholarships * Scholarships for college students * Scholarships for women and single mothers * Scholarships for high school seniors * College Scholarships for Minorities * How to apply for scholarships * Tips for writing scholarship essays What is Financial Aid for College? * Understand military tuition assistance * College Grants – Find free money for college * College Grants – Find free money for college * TEACH Grant – Learn about the TEACH Grant Program * What Is a Federal Pell Grant & Who is Eligible? * Military Grants - Iraq and Afghanistan Service Grant * FSEOG - Federal Supplemental Educational Opportunity Grant * FAFSA® 2023: How to Apply for Financial Aid * FAFSA® 2023: How to Apply for Financial Aid * Expected family contribution (EFC) * Student Aid Report – How to Review your FAFSA® SAR * Federal Work-Study – Information on the Program * Compare financial aid offers Types of Student Loans * Federal Loans vs Private Loans for College * Federal Loans vs Private Loans for College * What Are Federal Student Loans & How to Apply * Private student loans * Other borrowing options * Save on college costs Tools * Scholarship search * Accrued Interest Calculator * College Planning Calculator * Student Loan Payment Amount Estimator * Virtual events * Industry professionals * Credit cards Main Menu All Credit Cards SALLIE MAE IGNITESM A card that rewards financial responsibility. SALLIE MAE ACCELERATESM A more rewarding way to pay down student loans. SALLIE MAE EVOLVESM Earn yourself a bonus, just for being you. * Savings Main Menu All Savings Products SmartyPig® Use this free, online piggy bank to save for long- and short-term goals. Money Market Account Grow your money faster with a higher interest rate and no monthly fees. Certificates of Deposit Earn a guaranteed rate of interest over a fixed period of time. High-Yield Savings Account Earn interest at a higher rate than a traditional savings account, with no monthly fees. Information you may need Compare product rates * About Us Main Menu About Us Our story * Leading research * Leading research * How America saves for college * Majoring in money * How America plans for college * How America pays for college * Our leaders * Community engagement * Scholarships Opportunities Newsroom Careers Investors * Corporation debt offerings * Corporate governance * Corporate governance * Sallie Mae code of business conduct * Charters * Board of director information * Webcasts and presentations * Asset-backed securities * Shareholder information * Shareholder information * Annual reports and proxy statements * Earnings information * Analyst coverage * Dividend history * Email alerts * SEC filings * Stock chart * Stock quote Current opportunities We’re a diverse group of financial experts, creative minds, innovators, tech gurus, and leaders who work together to help people make great things possible. * Contact * Log in * Search Sallie Mae dot com * menu * Apply for a loan 1. Home 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. 1. 2. 3. 4. 5. 6. 7. 8. 9. Previous Blog post Scholarships 101: From Finding Them to Winning Them Learn about where to find scholarships, what scholarship requirements to pay attention to, how to write a scholarship essay, and some tips on writing a thank you letter for a scholarship. Get the scoop on scholarships Blog post Why, When, and How: The FAFSA® Survival Guide Filing the FAFSA® helps you unlock free $ for college. Read an insider’s take on how to crush the FAFSA® and get the most aid. Read FAFSA® guide How-to Compare Federal vs Private Student Loans Understanding the differences between these two types of loans can help you decide on the right option for you. Compare loan types Blog post Why, When, and How: The FAFSA® Survival Guide Filing the FAFSA® helps you unlock free $ for college. Read an insider’s take on how to crush the FAFSA® and get the most aid. Read FAFSA® guide How-to Compare Federal vs Private Student Loans Understanding the differences between these two types of loans can help you decide on the right option for you. Compare loan types Survey 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 How-to Compare Federal vs Private Student Loans Understanding the differences between these two types of loans can help you decide on the right option for you. Compare loan types Survey 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 Blog post What is a FICO Score and How Can You Improve Yours? See how strengthening your score can lower your loan costs and help you reach goals like renting an apartment. Get FICO Score facts Survey 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 Blog post What is a FICO Score and How Can You Improve Yours? See how strengthening your score can lower your loan costs and help you reach goals like renting an apartment. Get FICO Score facts How-to Tips for paying off your student loans faster Understanding the differences between these two types of loans can help you decide on the right option for you. Get payoff tips Blog post What is a FICO Score and How Can You Improve Yours? See how strengthening your score can lower your loan costs and help you reach goals like renting an apartment. Get FICO Score facts How-to Tips for paying off your student loans faster Understanding the differences between these two types of loans can help you decide on the right option for you. Get payoff tips Video 1-2-3 approach to paying for college Here’s a guide to the options you have when paying for college, and how to make it more affordable. Watch video How-to Tips for paying off your student loans faster Understanding the differences between these two types of loans can help you decide on the right option for you. Get payoff tips Video 1-2-3 approach to paying for college Here’s a guide to the options you have when paying for college, and how to make it more affordable. Watch video Tool College Planning Calculator Wondering how you’ll save and pay for college? We can help you break down the costs and come up with a working plan. Create your plan Video 1-2-3 approach to paying for college Here’s a guide to the options you have when paying for college, and how to make it more affordable. Watch video Tool College Planning Calculator Wondering how you’ll save and pay for college? We can help you break down the costs and come up with a working plan. Create your plan Blog post Federal Student Loan Forgiveness FAQ: What you need to know Get answers to your federal forgiveness plan questions, including how to know if you qualify, which loans are eligible, and what you can do now to get ready. Find out about forgiveness Tool College Planning Calculator Wondering how you’ll save and pay for college? We can help you break down the costs and come up with a working plan. Create your plan Blog post Federal Student Loan Forgiveness FAQ: What you need to know Get answers to your federal forgiveness plan questions, including how to know if you qualify, which loans are eligible, and what you can do now to get ready. Find out about forgiveness Blog post Scholarships 101: From Finding Them to Winning Them Learn about where to find scholarships, what scholarship requirements to pay attention to, how to write a scholarship essay, and some tips on writing a thank you letter for a scholarship. Get the scoop on scholarships Blog post Federal Student Loan Forgiveness FAQ: What you need to know Get answers to your federal forgiveness plan questions, including how to know if you qualify, which loans are eligible, and what you can do now to get ready. Find out about forgiveness Blog post Scholarships 101: From Finding Them to Winning Them Learn about where to find scholarships, what scholarship requirements to pay attention to, how to write a scholarship essay, and some tips on writing a thank you letter for a scholarship. Get the scoop on scholarships Blog post Why, When, and How: The FAFSA® Survival Guide Filing the FAFSA® helps you unlock free $ for college. Read an insider’s take on how to crush the FAFSA® and get the most aid. Read FAFSA® guide Next GET SOME INSPO FOR YOUR JOURNEY We’ve got plenty of good vibes, confidence-boosting tips, and inspiring student stories to share. Follow us on Instagram -------------------------------------------------------------------------------- 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. 1. Home * About us * Careers * For investors * Media * Blog * Leading research * Contests * Benefits Transparency * Cosigner responsibilities * Become a school partner * Partner resources * Military resources * Beware of debt relief offers * Contact us * Website feedback * FAQs * Sitemap * Facebook * Twitter * Instagram * YouTube * LinkedIn * Terms of use * Protect your privacy * Avoid online fraud * Accessibility statement * Social media guidelines * Do not sell or share my personal information © 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. 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