Nellie Mae student student Students
University of the Incarnate Word

Welcome University of the Incarnate Word
students and parents

Federal Stafford Loan
With a 0% origination fee Stafford Loan from Nellie Mae®, you may be eligible to save the 1% default fee, and earn additional benefits that reduce your interest rate, and save you 3.3%! Here's how:
  • Earn a 0.50 percentage point interest rate reduction when you choose to have your payments automatically debited from a checking or savings account*
  • Earn a 3.3% check or credit–with Nellie Mae Cash Back®–after your first 33 on-time payments*

And, when you join Upromise®, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced student loans by linking your Sallie Mae® account to your Upromise account with Upromise Loan LinkSM! Learn more, or join Upromise now.

*Learn how to earn these benefits

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Federal Parent PLUS Loan
With a Parent PLUS Loan from Nellie Mae®, you may be eligible for benefits that reduce your interest rate and let you earn a loan credit with Nellie Mae PLUSback®! Here’s how:

  • Earn a 0.75 percentage point interest rate reduction–after your first on–time payment–with a one–time benefit reinstatement opportunity*
  • Earn a 2.4% loan credit–with Nellie Mae PLUSback–after your first 24 on–time payments*

And, when you join Upromise®, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae–serviced student loans by linking your Sallie Mae® account to your Upromise account with Upromise Loan LinkSM! Learn more, or join Upromise now.

*Learn how to earn these benefits

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Graduate PLUS Loan
With a GradPLUS Loan from Nellie Mae®, you may be eligible for benefits* that reduce your interest rate from 8.5% to 6.75%, and let you earn a 2.4% loan credit with Nellie Mae PLUSback®! Here's how:

  • Zero default fee*
  • Earn a 0.25 percentage point interest rate reduction—for the life of the loan—when your loan is first disbursed*
  • Earn a 0.50 percentage point interest rate reduction when you choose to have your payments automatically debited from a checking or savings account*
  • Earn a 1 percentage point interest rate reduction—after your first on-time payment—with a one-time benefit reinstatement opportunity*
  • Earn a 2.4% loan credit—with Nellie Mae PLUSback— after your first 24 on-time payments*

And, when you join Upromise®, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced student loans by linking your Sallie Mae® account to your Upromise account with Upromise Loan LinkSM! Learn more, or join Upromise now.

*Terms and condition apply

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Signature Student Loan®

For academic year 2007-2008

The Signature Student Loan is a private, credit-based loan funded by Sallie Mae Bank® or a Sallie Mae® lender partner. After taking advantage of free money (like scholarships, grants) and low cost federal loans, you may still need money to help you pay for school. That's when you should consider Sallie Mae's private Signature Student Loan.

Paying for Your Education is Easy with Sallie Mae

Start by following Sallie Mae's 1-2-3 approach to paying for school:

  • Research available scholarships and other sources of "free money".
  • Fill out the FAFSA and apply for federal loans, like Stafford for students and PLUS for parents. Federal loans generally have lower interest rates and have more flexible repayment options. Learn more about federal loans.
  • Then, if you still need money, consider the Signature Student Loan. This private loan is available to students—both traditional and adult learners—who are attending school at least half time and working on earning a degree. The Signature Student Loan’s interest rates are tiered so those who manage their credit well or get a creditworthy cosigner may receive the benefit of a lower interest rate.
Features:

  • Interest rates as low as Prime minus 1% with 0% fees (See assumptions.)
  • "Super" low interest rate for our most credit savvy borrowers
  • 0.50 percentage point interest rate reduction for auto debit *
  • Zero fees if both you and your cosigner are credit approved
  • No income requirement for student borrowers, and no payment required while in school

*Learn how to earn these benefits

Sallie Mae Advantage

We offer you peace of mind so you can focus on your studies and not worry about how you are going to pay for school. From a free database of $15 billion in scholarships…to college savings plans…to low-cost federal loans for students and parents…to affordable private loans…to consolidation and repayment options…Sallie Mae has all the funding options you need for a higher education—from the day you enroll until graduation and beyond.

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Our Pledge to You
To continue funding your education. This pledge means that once you're credit-approved for your Signature Student Loan, we'll continue to be there for you in year two and beyond. No more worrying every year whether you will get approved, whether you will have money.*** (Terms and conditions)

Your Pledge to Us
Stay in school. Your school certifies that you are enrolled, working towards your degree and that you need additional money for school.

Be financially responsible. Complete our credit education series, avoid new negative items on your credit report and sign up for Manage Your LoansSM.

We Take Our Education Funding Pledge a Step Further

We offer a Price Advantage when you apply with a creditworthy cosigner. You certainly can apply on your own, but if you apply with a credit approved cosigner, we'll offer the same or better interest rate margin and loan fees for subsequent loans.*** (Terms and conditions)

Benefits of Using a Cosigner

  • Allows you to benefit from Price Advantage
  • May qualify you for a better interest rate and zero fees
  • Helps student establish credit history
  • Cosigner release application available after first 24 on-time payments**** (Terms and conditions)

Cosign now!