Student Loans

With college costs increasing every year, it’s time to borrow smarter.

The Smart Option Student Loan® for Heartland FCU by Sallie Mae®

For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more or apply, please get started here.
*We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

Federal Student Aid

The Federal government has put together a comprehensive website that gives timely and accurate information to help you navigate the financial aid process. From grants and loans to scholarships and federal aid, you’ll find everything you need to make your college financial plan at Student Aid on the Web.


Learn more about financing a college education and taking care of your finances during college and after.

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