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smart option student loan® by sallie mae®

Michigan Community Credit Union has partnered with Sallie Mae to bring you The Smart Option Student Loan.

Now you can pay for college the smart way.

With college costs growing fast, it's time to borrow smarter. Get started.

The Smart Option Student Loan offers these benefits:

  • A choice of competitive rates for undergraduate students1
    Competitive, variable interest rates from 2.50% APR to 9.59% APR. We also offer fixed interest rates from 5.74% APR to 11.85% APR.
  • Rewards for paying on time2
    Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly in-school payments that are made on time while in school with the Interest and Fixed Repayment Options.
  • Lower your interest rate3
    Receive a 0.25 percentage point interest rate reduction while enrolled for making scheduled monthly payments by automatic debit.
  • Get the money you need4
    Borrow up to 100% of the school-certified cost of attendance.
  • Choose the repayment option that's best for you1
    Deferred Repayment Option, Fixed Repayment Option, or Interest Repayment Option.

Applying online is easy—it only takes about 15 minutes to apply and get a credit result.

Click for more information and to start your application!

Encouraging Responsible Borrowing

We encourage students and families to supplement their savings by exploring grants, scholarships, and federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.