Knowing what to expect before you begin our Sallie Mae® Smart Option Student Loan® application process will help make it quick and simple. Plus, you'll be ready with the relevant information on hand so you can easily begin the application process. You can complete it together, or one person can invite the other using an access code.
Whether you’re an undergraduate, graduate, business, dental, medical, or health professions student, you can find a private student loan designed to meet your needs.
Last year, Students are 3.5X more likely to be approved for a Sallie Mae student loan with a cosigner. footnote 2
Understand how student loan disbursements work. Learn how the disbursement of funds take place between your school and loan provider, and when student loans are disbursed.
footnote 1. For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website may be subjected to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
footnote 2. Based on a comparison of the percentage of students who were approved with a cosigner to the percentage of students who were approved without a cosigner from October 1, 2022 to September 30, 2023.
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