Federal Stafford Loan

With a 0% origination fee Stafford Loan from Southwest Student Services^SM, you may earn additional benefits that lower your interest rate and save you money! 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 0.50 percentage point interest rate reduction— after your first on-time payment—with a one-time benefit reinstatement opportunity*

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 Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise.

Apply Now!

Subsidized Stafford Loan

Unsubsidized Stafford Loan

This loan is available regardless of need. "Unsubsidized" means that the student is responsible for interest as soon as the loan is obtained. Interest may be paid as it accrues or deferred until after graduation.

Federal Parent PLUS Loan

With a Parent PLUS Loan from Southwest Student Services^SM, you may be eligible for benefits that lower your interest rate and let you earn a loan credit! Here's how:

• Earn a 1.25 percentage point interest rate reduction when you choose to have your payments automatically debited from a checking or savings account*
• Earn a 3% loan credit after you make your first 36 payments on time*

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 Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise.

Apply Now!

Federal Graduate PLUS Loan

With a Graduate PLUS Loan from Southwest Student Services^SM, you may be eligible for benefits that lower your interest rate to as low as 6.75%, and let you earn a 1.5% loan credit! Here's how:

• 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 1.5% loan credit after you make your first 18 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 Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise.

Apply Now!

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.

• 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

And, when you join Upromise^®, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced loans by linking your Sallie Mae^® account to your Upromise account with Upromise Loan Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise.

*Learn how to earn these benefits

Sallie Mae Advantage 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.

Apply Now!

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 Loans^SM.

Applying with a cosigner can save you money! If you do not have an established credit history or have a low credit score, you can apply with a cosigner which can help you:

• Get lower interest rates and fees.
  
  
• Qualify for a loan despite a low credit score.