Sallie Mae Smart Option Student Loan

Whether you’re an undergraduate, graduate, or career training student, we have loans to help you reach your education goals with confidence.


  • Competitive interest rates
  • Multiple repayment options
  • No origination fees
  • No prepayment penalty*

* Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note – first to unpaid fees and costs, then to unpaid interest, and then to current principal.