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Interest and repayment can vary depending on your needs

The Smart Option Student Loan® for Service Credit Union is offered by Sallie Mae®. These private loans, for students at degree-granting institutions, have no origination fee or prepayment penalty. They can be fixed rate or variable rate. You can defer repayment until after you graduate or make small payments while you’re still in school.

Smart Option Student Loans offer:

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates
  • No origination fee
  • No prepayment penalty
  • Rewards and interest rate deductions are available
  • Applying with a credit-worthy cosigner may help you qualify
  • 100% U.S.-based student loan specialists