Start your journey off strong
with a college loan

  • Applying is fast and easy, with more than 3,000 eligible schools
  • Helping 300K+ students pay for college each year
  • Lending to more students than any other private student loan provider
Undergraduate Student Loans
Fixed rates: 3.49% - 15.99% APRfootnote 1
Variable rates: 4.54% - 14.71% APRfootnote 1

Lowest fixed and variable rates include the auto debit discount.

 

I'm ready to apply

Find the college loan that’s right for you 

Need help paying for college? Find a student loan that checks all your boxes. Explore the options below for undergraduate and graduate student loans that can help cover costs for a variety of majors and career paths. We can help you pay for college and walk you through how to get a loan, so you can start your journey with confidence.

Undergraduate school

Undergraduate student loans

For college students earning a bachelor's or associate's degree, or a certificate at a degree-granting school.

Lowest rates shown include the auto debit discount.

See my ratefootnote 2

Training school

Career training student loans

For students taking professional training or certificate courses (such as culinary, aviation, technical, etc.)

See my ratefootnote 2

Graduate school

Graduate school loan

For graduate students seeking loans for medical, dental, health professions, MBA, law, and master's/doctorate degree expenses

See my ratefootnote 2

Business administration

MBA loan

Pay for your expenses as you pursue your Masters of Business Administration degree

See my ratefootnote 2

Medical & healthcare

Medical school loan

Pay for your medical school and related expenses as you earn your Doctor of Medicine (MD), Osteopathic Medicine (DO), Podiatric Medicine (DPM), Veterinary Medicine (DVM), or Veterinary Medical Doctorate (VMD)

See my ratefootnote 2
Medical residency loan

Pay for your expenses associated with taking board examinations, traveling for interviews, and moving for your medical residency

See my ratefootnote 2
Health professions graduate loan

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

See my ratefootnote 2
Dental school loan

Pay for your dental school and related expenses as you earn your Doctor of Medicine in Dentistry (DMD) or Doctor of Dental Surgery (DDS)

See my ratefootnote 2
Dental residency loan

Pay for your expenses associated with taking board examinations, traveling for interviews, and moving for your dental residency

See my ratefootnote 2

Law

Law school loan

Pay for your law school and related expenses as you earn your Juris Doctor (JD) or Master of Laws (LLM)

See my ratefootnote 2
Bar study loan

Pay for your expenses associated with fees and living costs as you study for the bar exam

See my ratefootnote 2

How to apply

It’s easy, just follow these steps:

  • Tell us about yourself

    We’ll need some basic information from you (and your cosigner if you’re applying with one) like your name, address, and date of birth, along with some details about your school.

  • Choose your loan option(s)

    After you’re approved, pick the repayment option and interest rate type that work best for your budget.

  • Sign & accept

    Be sure to review all loan documents so you understand your responsibilities. Once you’ve decided to borrow from us, just e-sign, accept loan terms, and provide any other requested information. We'll work with your school to take care of the rest. That's it!

    Apply for loan
Young man sitting on his bed and typing on his laptop

What do students think of Sallie Mae?

 
Sallie Mae was the only group that would accept my application since I didn't have a well-established credit score."

George M., New York

The entire process, from applying through disbursement through repayment, was very simple and efficient."

Ellington T., Virginia

Getting approved for a Sallie Mae loan was fairly simple. And took a huge weight off my shoulders when it came to paying for my education."

Desirea M., California

Complete your application
in minutes

Apply now

footnote Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

footnote Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., and apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident). Requested loan amount must be at least $1,000.

footnote 1. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent.  Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

footnote 2. Loan application must be submitted to see available rates.

footnote Information advertised valid as of 4/17/2025.

footnote SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION. 

footnote Smart Option Student loans are made by Sallie Mae Bank.