Sallie Mae Student Loans

Private student loans for undergraduate, graduate, and career training. Competitive rates with multiple repayment options during and after school.

Last checked on May 16, 2026. We may earn a commission when you click through.

Sallie Mae offers a flexible range of private student loans suitable for various educational needs, but rates can be high depending on credit scores.

✓ Multiple loan options for various educational needs ✓ Flexible repayment terms from 60 to 180 months ✓ Starting APR as low as 2.99%

Student Sallie Mae

Sallie Mae Student Loans

Updated 22 hours ago

At a Glance

Representative APR

2.99–16.38%

Loan Amount

$1,000–$200,000

Term

60–180 mo

Decision

—

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About this loan

Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.

Our Verdict

Sallie Mae offers a flexible range of private student loans suitable for various educational needs, but rates can be high depending on credit scores.

Best For

This loan is best for students in need of financial assistance for undergraduate or graduate education, as well as vocational training.

Watch Out

Be cautious of the high end of the APR range, which can reach up to 16.38%, potentially leading to substantial interest costs over time.

What Customers Say

Customer feedback is mixed, with some praising the loan options but noting issues with customer service and application delays.

Expert Analysis

If you're looking for a reliable option for funding your education, Sallie Mae's student loans provide a variety of plans tailored to students' needs. With APRs starting at 2.99% and going up to 16.38%, the rates can be competitive for those with fair credit, but borrowers should prepare for higher rates at the top end.

Repayment options are flexible, with terms ranging from 60 to 180 months, allowing you to choose a plan that fits your budget after graduation. However, the potential for high-interest rates means that those with lower credit scores may end up paying more over time.

Customer reviews indicate mixed feelings about the application process and customer service, with some users citing delays and difficulties in communication. According to Sallie Mae's official site, they do offer multiple repayment options, but it's essential to read the fine print for any hidden fees or conditions.

In comparison to lenders like SoFi or Discover, Sallie Mae may not be the most competitive for low-interest rates, especially for borrowers with excellent credit. However, for those who need a loan without stringent credit requirements, it could be a suitable choice.

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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.