With college costs growing fast, it's time to borrow smarter.
The Smart Option Student Loan offers these benefits:
- A choice of competitive rates for undergraduate students
Competitive, variable interest rates from 3.62% APR to 10.54% APR. We also offer fixed interest rates from 5.74% APR to 11.85% APR.
- Lower your interest rate
Receive a 0.25 percentage point interest rate reduction while enrolled for making monthly payments by automatic debit.
- Get the money you need
Borrow up to 100% of the school-certified cost of attendance.
- Choose the repayment option that's best for you
Deferred Repayment Option, Fixed Repayment Option, or Interest Repayment Option.
- Study StarterSM
Choose up to 120 free tutoring minutes with Chegg TutorsTM or free access to Chegg Study®.4
Applying online is easy—it only takes about 15 minutes to apply and get a credit result.