Sallie Mae Smart Option Student Loan ^SM

Private Student Loans can make up the difference between total cost of school and any financial aid that the student may receive.

With this school-certified loan, student can borrow up to the full cost of their education, less other aid received ^l

Summary Information:

Benefits:

• pricing that rewards creditworthy begins after graduation or separation from school for most lender programs: ¹
  
  
• applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate
  
  
• borrowers may apply for a cosigner release after successful completion of their education ⁴
  
  
• a 0.25% percentage point interest rate reduction is available for automatic debit ²
  
  
• a 0.25% percentage point interest rate reduction is available if the borrower provides a valid e-mail address and elects to receive all servicing communications via e-mail ³

Features:

• easy online application with fast credit decision and electronic signature ("eSign")
  
  
• 24/7 online account management
  
  
• combined billing is available for Sallie Mae-serviced student loans
  
  
• no prepayment penalty
  
  
• you may be able to deduct the interest you pay on a qualified student loan ⁵

Eligibility:

• you must attend an eligible community college, traditional college or university, or eligible graduate program at least half-time.
  
  
• in some circumstances, the Smart Option Student Loan is available to less than half-time students. Contact your financial aid office for more information.
  

International Study:

• available for U.S. citizens enrolled in eligible study abroad programs or studying at medical schools outside the U.S.
  
  
• international students are eligible with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and U.S. Citizenship & Immigration Service (USCIS)

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