Undergraduate student loans

Federal aid and scholarships not stacking up? Get the money you need for school with a Smart Option Student Loan® from Vantage Credit Union in partnership with Sallie Mae®. Pay for your bachelor’s, associate, or certificate expenses at a degree-granting school.

Focus on college, not on how to pay for it.

Our Smart Option Student Loan is:

  • Convenient – apply once and get money for the whole year
  • Comprehensive – loans to pay for big and small undergraduate costs
  • Customized – repay in a way that meets your needs and save

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female college student in class

Graduate student loans

Vantage Credit Union offers a suite of graduate loans to pay for expenses included in your school's cost of attendance and designed for your specific degree through our partnership with Sallie Mae®. Fill funding gaps that remain after other lower-cost sources of aid have been exhausted. 

Unique loan options for your unique graduate journey:

  • Graduate School Loan
  • MBA Loan
  • Medical School Loan
  • Dental School Loan
  • Graduate School Loan for Health Professions
  • Law School Loan

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medical students in class

Flexible student loans designed to meet your needs wherever you are in your higher education.

Competitive variable and fixed interest rates

Competitive variable and fixed interest rates

Multiple repayment options

Multiple repayment options

No origination fees or prepayment penalty*

No origination fees or prepayment penalty*

Did you know Vantage offers $10,000 in scholarships to high school seniors each year?

If you’re getting ready to graduate, be sure to apply for a Quest For Education scholarship!

Consider other choices before private student loans

Before applying for a private student loan, students and families should look at savings, grants, scholarships, and federal student loans. Then, choose the most affordable options for college funding.

Adulting? We’ve got you covered.

Vantage is here for you as you chart new paths on the road to independence.


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. Vantage Credit Union 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 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. 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.

*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.


©2023 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos 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.