Student Loans

Take your education higher with a Sallie Mae® loan that’s designed to help you focus on the degree, not the financing.

Key Features

  • Competitive Rates
  • No Origination or Prepayment Penalty1
  • Flexible Terms
  • Variety of Programs
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  • Specialized financing for your higher education aspirations
  • Provided by our partners at Sallie Mae®
  • Available for both undergraduate and graduate students
  • Competitive interest rates
  • Multiple repayment options
  • No origination fees or prepayment penalties1

Figure Out the Financing for You

Not sure what type of loan works best for your goals? Let Sallie Mae help you out.

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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. St. Mary's Credit Union 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.

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1Although 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.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

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