Sallie Mae Student Loans: College & University<\/h1><\/div>Wherever you are in your higher education, get the money you need for school. Student loans from Arizona Central Credit Union in partnership with Sallie Mae\u00ae could help! <\/span>For borrowers attending or borrowing for a student attending a degree-granting institution<\/span><\/p>\n<\/div>Get Started<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Sallie Mae\u00ae Higher Education Loans<\/h2><\/div>Sallie Mae\u00ae<\/sup>\u00a0higher education loans are designed for the needs of undergraduates and graduate students.<\/p>\n\n- Competitive interest rates<\/li>\n
- Multiple repayment options<\/li>\n
- No origination fees; no prepayment penalty1<\/sup><\/li>\n<\/ul>\n
Smart Option Student Loan\u00ae for Undergraduate Students<\/p>\n
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.<\/p>\n<\/div>
Find Your Loan<\/span><\/a><\/div><\/div><\/div>![](\"https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2023\/11\/GettyImages-871547412.jpg\" "\\"GettyImages-871547412\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div>![](\"https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2023\/11\/GettyImages-468744402.jpg\" "\\"GettyImages-468744402\\"")
<\/span><\/div><\/div><\/div><\/div>Borrow Responsibly<\/h2><\/div>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.<\/p>\n
Explore our\u00a0tips for paying off student loans<\/a>.<\/p>\nThese loans are made by Sallie Mae Bank or a lender partner. Arizona Central Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.<\/p>\n
Smart Option Student Loan and graduate loan products: \u00a0These 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.<\/p>\n<\/div>
Find Your Loan<\/span><\/a><\/div><\/div><\/div><\/div><\/div>1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.<\/p>\n
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.<\/p>\n
\u00a9 2021\u00a0Sallie 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.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
Student Loan FAQs<\/h2><\/div><\/i><\/i><\/span>Can you refinance student loans?<\/span><\/a><\/h4><\/div>\nYes, you can refinance both private and federal student loans.<\/p>\n<\/div><\/div><\/div>
<\/i><\/i><\/span>Should I refinance my student loans?<\/span><\/a><\/h4><\/div>\nA decision to refinance your student loans can depend on your personal financial situation. Refinancing your student loans can help you save money with lower monthly payments.<\/p>\n<\/div><\/div><\/div>
<\/i><\/i><\/span>How to refinance student loans?<\/span><\/a><\/h4><\/div>\nRefinancing your student loans starts with determining if it is in your best interest as you will need a strong credit score to qualify for low rates. If you qualify and have chosen a new lender, they will pay off the existing lender and you will make monthly payments at this new rate. Learn more on\u00a0how to refinance your student loans<\/a>.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>When to refinance student loans?<\/span><\/a><\/h4><\/div>\nThe time to refinance student loans is when you are in a strong enough credit and financial situation to qualify for low rates on the payments.<\/p>\n<\/div><\/div><\/div>
<\/i><\/i><\/span>How to consolidate student loans?<\/span><\/a><\/h4><\/div>\nStudent loan consolidation allows you to combine multiple federal education loans into one easy and convenient loan, known as the Direct Consolidation Loan. It is important to understand if you meet the eligibility requirements before you decide to\u00a0consolidate or refinance student loans<\/a>.<\/p>\n<\/div><\/div><\/div>
Wherever you are in your higher education, get the money you need for school. Student loans from Arizona Central Credit Union in partnership with Sallie Mae\u00ae could help! <\/span>For borrowers attending or borrowing for a student attending a degree-granting institution<\/span><\/p>\n<\/div> Sallie Mae\u00ae<\/sup>\u00a0higher education loans are designed for the needs of undergraduates and graduate students.<\/p>\n Smart Option Student Loan\u00ae for Undergraduate Students<\/p>\n Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.<\/p>\n<\/div> 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.<\/p>\n Explore our\u00a0tips for paying off student loans<\/a>.<\/p>\n These loans are made by Sallie Mae Bank or a lender partner. Arizona Central Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.<\/p>\n Smart Option Student Loan and graduate loan products: \u00a0These 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.<\/p>\n<\/div> 1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.<\/p>\n SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.<\/p>\n \u00a9 2021\u00a0Sallie 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.<\/p>\n<\/div><\/div><\/div><\/div><\/div> Yes, you can refinance both private and federal student loans.<\/p>\n<\/div><\/div><\/div> A decision to refinance your student loans can depend on your personal financial situation. Refinancing your student loans can help you save money with lower monthly payments.<\/p>\n<\/div><\/div><\/div> Refinancing your student loans starts with determining if it is in your best interest as you will need a strong credit score to qualify for low rates. If you qualify and have chosen a new lender, they will pay off the existing lender and you will make monthly payments at this new rate. Learn more on\u00a0how to refinance your student loans<\/a>.<\/p>\n<\/div><\/div><\/div> The time to refinance student loans is when you are in a strong enough credit and financial situation to qualify for low rates on the payments.<\/p>\n<\/div><\/div><\/div> Student loan consolidation allows you to combine multiple federal education loans into one easy and convenient loan, known as the Direct Consolidation Loan. It is important to understand if you meet the eligibility requirements before you decide to\u00a0consolidate or refinance student loans<\/a>.<\/p>\n<\/div><\/div><\/div>Sallie Mae\u00ae Higher Education Loans<\/h2><\/div>
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<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div>Borrow Responsibly<\/h2><\/div>
Student Loan FAQs<\/h2><\/div>
<\/i><\/i><\/span>Can you refinance student loans?<\/span><\/a><\/h4><\/div>
<\/i><\/i><\/span>Should I refinance my student loans?<\/span><\/a><\/h4><\/div>
<\/i><\/i><\/span>How to refinance student loans?<\/span><\/a><\/h4><\/div>
<\/i><\/i><\/span>When to refinance student loans?<\/span><\/a><\/h4><\/div>
<\/i><\/i><\/span>How to consolidate student loans?<\/span><\/a><\/h4><\/div>