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Student Loans

Finance your dreams

You have a bright future ahead, and we're here to help, with affordable student loans backed by Sallie Mae®.


Partnered with Sallie Mae

Get a student loan from a trusted source, right through Members.


Competitive rates

Competitive rates make financing your education more affordable.


Multiple repayment options

Find a repayment option that works with your budget and goals.


No origination fees

Skip the origination fees and prepayment penalties to keep your borrowing costs down.


Borrower flexibility

Whether you're an undergrad, graduate student, or the parent of a student, you can apply.


Friendly service

Visit us at a branch, by phone, or online for friendly member-focused service.

Partnered with Sallie Mae

Student loans from a trusted source

We partner with Sallie Mae to offer the best student loans available.

Two students looking at a project after class
No Fees or Penalties

Fees? We're not about them.

Getting a student loan shouldn't drain your bank account. Skip the origination fees and save on interest by paying your loan off faster, with no prepayment penalties.

Student smiling working on a group project

Best place to bank at. The staff is super nice and actually helped save us money.

— Google Review

How it works

It's easy to get a student loan.

  • 1

    Submit an application

    Fill out an application online.

  • 2

    Get approved

    Sallie Mae will crunch the numbers and let you know if you're approved.

  • 3

    Get an education

    Use the funds to pay for your education.

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Higher education is within reach


Get the best rates and no additional fees, making your education more affordable. After all, you are your best investment.


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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. Members Cooperative Credit Union 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: These loans are for students at 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. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although a penalty or fee is not charged if you prepay your loan, any prepayment will be applied as outlined 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.
© 2021 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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