Student Loans
Support for Your Higher Education Goals
Invest in your future with ACCESS Credit Union. Through our partnership with Sallie Mae®, we offer private student loan options to assist with college or graduate school expenses when scholarships, grants, and federal aid aren't enough. Whether you're a student or a parent helping to fund your child's education, we have flexible loan solutions that can work for you.
What Our Student Loans Offer:
- Competitive Interest Rates – Affordable financing to help manage education expenses
- Flexible Repayment Options - Choose from multiple plans that align with your budget
- Loan Types for Every Stage - Loans available for undergrads, grad students, and parents
- No origination fees; no prepayment penalty*
Be a Smart Borrower
When it comes to paying for college, ACCESS Credit Union believes it's best to start with resources that don’t require repayment, like savings, scholarships, grants, and federal aid. If additional funding is needed, a private student loan may be an option, but it’s important to understand the long-term impact. Think about how repayment will fit into your future finances and career plans.
The loans available through ACCESS Credit Union are made by Sallie Mae Bank or its lending partners. We don’t fund these loans ourselves, but we may receive a referral fee from Sallie Mae® if you move forward with an application.
Basic Eligibility Requirements:
- Must be enrolled at an eligible institution
- U.S. citizen or permanent resident status
- A creditworthy cosigner may be required, depending on the applicant’s credit profile
Start Your Application
Get started today by applying online. Have questions? Our team is here to help guide you through the process.
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. 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.
*Although we do not charge a penalty or fee 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.