The Smart Option Student Loan® offers these benefits:
A choice of competitive rates for undergraduate students
Competitive, variable interest rates.
Rewards for paying on time
Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly in-school payments that are made on time while in school with the Interest and Fixed Repayment Options.
Lower your interest rate
Receive a 0.25 percentage point interest rate reduction while enrolled for making scheduled monthly payments by automatic debit.
Get the money you need
Borrow up to 100% of your school-certified cost of attendance (minimum $1,000).
Choose the repayment option that's best for you
Deferred Repayment, Fixed Repayment, or Interest Repayment.
Applying online is easy—it only takes about 15 minutes to apply and
get a credit result.
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