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Student Loans

Reach a Higher Education With a Lower Rate

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Student Loans

Looking for money for college? We partner with Sallie Mae to find a Smart Option Student Loan that can help you reach higher education with a lower rate than traditional loans.

Whether you’re an undergraduate, career training or graduate student these flexible student loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options

Learn which loan is right for you

Tips and Education

Your 1-2-3 approach to paying for college

Decoding your financial aid offers

Filing the FAFSA

Student Loan & Financial Planning Checklist

Repaying Your Student Loans


Undergraduate and Career Training Students

Smart Option Student Loan®
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting schoolor for a professional training and trade certificate courses (culinary, technical, etc.) at a non-degree granting school.


Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees
MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree
Medical School Loan
Pay for your medical degree expenses in allopathic,general,osteopathic,podiatric, radiology,sports, and veterinary medicine
Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacialsurgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and othergraduate-level health programs

Law School Loan
Pay for your school and associated expenses as you study for your law degree


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. Circle Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000.  Current credit and other eligibility criteria apply.


1Although 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.


© 2022Sallie Mae Bank.All rights reserved.Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logosare service marks or registered service marks of Sallie Mae Bank.All other names and logos used are thetrademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie MaeBank, are not sponsored by or agencies of the United States of America.