Student Loans

Whether You’re An Undergraduate, Graduate Student, or Parent, Get Money For School From Sallie Mae®

Student loans from Heartland Federal Credit Union in partnership with Sallie Mae® could help! Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students

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. Heartland Federal 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:  This information is for students attending 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. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. 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 you a penalty or fee if you prepay your loan, any prepayment will be applied as provided 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.

© 2019 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.

Federal Student Aid

The Federal Government has a comprehensive Web site 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 plans.



REACH Financial Success Education

Paying For College

It may seem like the cost of college is out of reach, but with a little bit of research, planning, and saving, you can figure out how to pay for the college education you’ve always wanted for yourself or your children. This short, interactive learning experience will explain:

  • Different ways to pay for college
  • Tools to help you calculate costs and build your college savings
  • Student aid options and other financial supplements

REACH Financial Success Education

529 Plans

Are you planning to save for college for yourself or your child? There are many different savings vehicles you could choose from, and a 529 Plan is one option to consider. This short, interactive learning experience will help you make a more informed decision about your savings plan:

  • The purpose of a 529 Plan
  • The benefits and risks of 529 plans
  • How to open and use your plan

Our 85th Annual Meeting will be held on Tuesday, June 30 at 7 PM at our Moraine branch. HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch services are available through Drive-Thru, Night Drop, ATM and appointments. Learn more about our response to COVID-19
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