Student Loans

With the cost of college tuition skyrocketing and showing no signs of slowing any time soon, student debt is growing at an unprecedented rate. We think it's time you take back control. And we can help. With competitive rates and flexible repayment terms, THE SMART OPTION STUDENT LOAN BY SALLIE MAE® is the smart, economical way to pay for college expenses not covered by scholarships and federal loans. Don't worry. You won't be paying back student loan debt in your 40s - you'll be saving for your kids' college tuitions, instead!



Now you can pay for college the smart way with three great repayment options and competitive interest rates! The Smart Option Student Loan by Sallie Mae is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more, please get started here.


Features and Benefits


  • Your choice of competitive fixed and variable interest rates providing even more flexibility. 
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options
  • Borrower benefits, including rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 24/7 online account management


Get Started


Smart Option Student Loans are made by the Sallie Mae Bank, and Provident is compensated for the referral of the loan customers. You can apply on the Sallie Mae site here.