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National Education® Smart Option Student Loan®

made by Sallie Mae®

Undergraduate Graduate
The National Education Smart Option Student Loan® made by Sallie Mae offers students seeking Associates and Bachelors degrees savings, flexibility and more.
  • Fixed or variable rates
  • Three repayment options
  • No origination fees

Learn More and Apply

The National Education Smart Option Student Loan® made by Sallie Mae offers students in Masters and Doctoral programs value and choice of three repayment options.
  • Range of APRs that can be lower than the PLUS Loan for Graduate Students1
  • No origination fees


Learn More and Apply



1 Explore federal loans and compare to ensure you understand the terms and features. Smart Option Student Loans that have variable rates can go up after consummation and do not have many of the repayment alternatives like Income-Based Repayment, Extended Repayment, and certain types of deferments that are available with federal loans. Federal loans generally have origination fees.

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