Student Loans

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

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae® Student loans from Total Community Credit Union in partnership with Sallie Mae® could help!

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Smart Option Student Loan® for Undergraduate Students
  • Parent Loan
  • The graduate loan suite is designed to meet the needs of students in specific fields of study.

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for
college. Students and families should evaluate all anticipated monthly loan payments, and how much the student
expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Total Community CU is not the creditor for these
loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating
degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate
Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans.
Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States.
Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S.
citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify
identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other
eligibility criteria apply.
Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The
student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or
U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower,
and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a
requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as
provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current
Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME
WITHOUT NOTICE.
© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos
are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the
trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae
Bank, are not sponsored by or agencies of the United States of America.


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