The Smart Option Student Loan® for North East Welch FCU by Sallie Mae®

Wherever you are in your higher education, get the money you need for school.

Student loans from North East Welch FCU in partnership with Sallie Mae® could help!

For borrowers attending a degree-granting institution

Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students.

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty

Smart Option Student Loan® for Undergraduate Students

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which loan is right for you here.

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. North East Welch FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degreegranting 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.

1 Although 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.

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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.