Student Loans
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When you need extra help in a college course, you should find a tutor. When you need extra help covering college costs, you should come to us.
Your Next Chapter Starts Here.
Let's find a way to get you to graduation day.
At Vibe Credit Union, we understand that financial aid packages often fall short of students’ needs. To help you close the gap and pursue your dreams, we’ve partnered with one of the nation’s top private educational lenders, Sallie Mae, to get you the money you need. Sallie Mae loans offer:
- Loans for undergraduate and graduate students and their parents
- Multiple repayment options
- Competitive variable and fixed interest rates
- No origination fee and no prepayment penalty1
- Borrow up to 100% of all your school-certified expenses for the entire year like tuition, fees, books, housing, meals, travel, and even a laptop.2
Loan Options
- Smart Option Student Loan® for Undergraduate Students: This loan is great when you're working toward a bachelor’s or associate degree, or a certificate at a degree-granting school.
- Graduate loans: These loans help you finance specific master’s, doctoral, and professional programs, including medical, dental, MBA, law, health professions, and other graduate degrees.
Student Loan Assistance Resources
Explore key student loan resources all in one place, including repayment plans, forgiveness programs, and tools to help you understand your options. Access guides on Public Service Loan Forgiveness, income-driven repayment, the SAVE Plan, and more. You can also log in to your Federal Student Aid account, use the Loan Simulator, or choose the repayment plan that best fits your needs.
1 Although Sallie Mae does 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.
2 Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
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. Smart Option Student Loan and Sallie Mae graduate loans: 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. Explore federal loans and compare to make sure you understand the terms and features. Sallie Mae Loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.
Prep for What's Next
Explore a quick article and two hands-on activities that break down the basics, from filling out the FAFSA to budgeting for school and exploring future careers.
Your Student Loan Questions, Answered
What student loan options are available through Vibe?
You can explore private student loan options for undergraduate and graduate programs, career training, and refinancing. Rates and terms vary based on the option you choose and your application.
How can Vibe help me pay for school before I borrow?
Start with Vibe tools that can lower what you need to borrow. A dedicated Savings Account or High Yield Savings Account can help you set money aside for tuition, books, or housing, and automatic transfers make it easy to stay on track. If you need day-to-day flexibility while you’re in school, a low-rate Vibe Credit Card can help cover smaller expenses you plan to pay off quickly. Then, if there is still a gap, a student loan can help bridge the rest.
Who can apply for a student loan through Vibe?
Student loans are available for students and families who meet the partner’s eligibility requirements. Many students apply with a parent or co-signer to strengthen their application.
Where can I get help understanding my options?
Our Student Loans page includes tools and resources to help you compare choices and plan for repayment. If you want to talk it through, reach out to us, and we will help you take the next right step.