The Smart Option Student Loan ® for First Citizens' by Sallie Mae ®

For borrowers attending degree-granting institutions

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

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. 

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The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

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View a PDF of Frequently Asked Questions

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The Parent Loan for First Citizens' by Sallie Mae ®

For parents or loved ones with students attending degree-granting institutions

With the loan in your name, you can give the gift of college to your student, while relieving them of the financial responsibility. Any creditworthy individual—parents, grandparents, aunts, uncles, spouses, and guardians—can help a student achieve their dream of college. The Parent Loan offers competitive interest rates and the flexibility of two repayment options. The loan can help your student pay for college expenses not covered by scholarships and federal loans.

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The Parent Loan features and benefits:

  • A variable or fixed interest rate to choose from
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Eligibility to receive a free quarterly FICO® Credit Score
  • 100% U.S.-based student loan specialists

Note: Students aren’t eligible to be a borrower or cosigner for the Sallie Mae Parent Loan. Borrowers, cosigners, and students must be U.S. citizens or permanent residents.

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