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National Education® Smart Option Student Loan®
made by Sallie Mae®
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.