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Wherever you are in your higher education, we can help

If you’re faced with college expenses not covered by scholarships or grants, we’re here to help. We’ve partnered with Sallie Mae® to offer a variety of loans for borrowers attending degree-granting institutions.

Sallie Mae® higher education loans are designed for the needs of both undergraduate and graduate students, featuring:

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

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Here's what you'll need

Smart Option

Undergraduate loan

Smart Option Student Loan® for Undergraduate Students

The Smart Option Student Loan® for Undergraduate Students is also available to students at participating non-degree granting schools for professional training and trade certificate courses (culinary, technical, etc.).

  • Competitive fixed and variable interest rates
  • Rewards and interest rate reductions available
  • Borrow up to 100% of school-certified cost of attendance2

Learn more

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Graduate loans

Graduate School Loan

MBA Loan

Medical School Loan

Dental School Loan

Graduate School Loan for Health Professions

Law School Loan


Borrow responsibly.

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. WSECU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 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.

2 Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount.


© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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