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Sallie Mae Smart Option Student Loan®

MyFICONow you can pay for college the smart way with three great repayment options and competitive interest rates!

The AAA Smart Option Student Loan® by Sallie Mae® is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

Apply Today!






Features and Benefits

For borrowers attending degree-granting institutions

  • Low variable interest rates—2.25% APR to 9.37% APR, we also offer competitive fixed interest rates.3
  • No origination fees and no prepayment penalty.
  • Pay now or later—defer your payments until after graduation or choose an in-school repayment option that fits your needs.3
  • Get a 2% Smart Reward® in your Upromise®account of 2% of your scheduled monthly payments that are made on time while in school (Not available with the Deferred Repayment Option)5
  • Earn a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payment by automatic debit.6
  • It only takes about 15 minutes to apply and get a credit result.
  • Borrow up to 100% of your school certified education costs (minimum $1,000).
  • Applying with a creditworthy cosigner may help you qualify for and/or receive a lower interest rate. You can apply to release your cosigner after you graduate and make 12 consecutive on time principle and interest payments.4
  • You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments4

3,4,5,6 Click here for important information. Terms, conditions and limitations apply.

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