Student Loans

The Smart Option Student Loan® for Total Community Credit Union by Sallie Mae® For borrowers attending degree-granting institutions
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

      • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility.
      • No origination fees and no prepayment penalty
      • Rewards and interest rate reductions available
      • Rates that reward creditworthy borrowers
      • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate.


      Sallie Mae corp logo
      If you need to bridge the gap between savings, scholarships, grants, and federal student loans, the Smart Option Student Loan is a perfect choice.

ESSENTIAL SERVICE– Drive Thru Open. Important COVID-19 Update: Learn how Total Community CU is responding.CLICK here for information