Wherever you are in your higher education, get the money you need for school. Student loans from KTCCU in partnership with Sallie® could help! For borrowers attending or borrowing for a student attending a degree-granting institution. The Smart Option Student Loans offers competitive interest rates, multiple repayment options, no origination fees, and no repayment penalties.

Smart Option Student Loans® are designed for the needs of undergraduates, graduate students, and parents. Find out which loan is right for you.

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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. KTCCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loans 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. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers (who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide and unexpired government-issued phot ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligible criteria apply.