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Tools and mortgage calculators for your home loan #college #scholarships

#home loan calculator australia

Home loan calculators

Simple mortgage calculators to help you plan

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1 Qantas Points, offered by Macquarie, accrue and will be credited to your Qantas Frequent Flyer account in accordance with the ‘Macquarie Bank Flyer Home Loan Terms and Conditions ‘. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points and to qualify for a Macquarie Bank Flyer Home Loan. A joining fee usually applies. However, Macquarie has arranged for this to be waived if you take out a Macquarie Bank Flyer Home Loan. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions available at You will not receive any Qantas Points while you have defaulted on a loan repayment on your loan account and this amount remains outstanding for 60 days or more. Macquarie is not responsible for the administration of the Qantas Frequent Flyer program. Qantas Airways Limited remains at all times solely responsible for the administration of the Qantas Frequent Flyer program.

Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions. Macquarie Bank Flyer Home Loans are not Qantas products and are not offered or issued by Qantas but by Macquarie as Servicer.

2 Not available on loans to Self Managed Superannuation Funds or during the construction period of a loan. Terms, conditions and limitations apply. For more information, refer to the Macquarie Bank Flyer Home Loan Terms and Conditions.

Information and interest rates are current as at 6 October 2015 and are subject to change.

Fees Charges

  • At the end of the fixed rate period, the interest rate will revert to the current standard discounted rates. Our Standard Variable rate is currently 5.50% pa (variable and comparison* ) for owner occupied loans and our Investment Variable Rate is currently 5.77% pa (variable and comparison* ) for investment loans. You will be notified of the discount that applies to your rate prior to the end of your fixed rate period.
  • Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable
  • There are no account management fees or application fees but other fees and charges may apply. See the full schedule of fees and charges .

Title Loans – Quick Online Car Title Loan Approvals #car #loans

#title loan

The Way A Title Loan Works

Receiving car title loans is a very quick and efficient method to borrowing money without a long and stressful application process. If you own an automobile and have a title in hand you can receive a loan very easily. Your loan is based on the value of your vehicle with minimal qualifying required. You need to be employed which reflects your ability to repay the loan and you must be at least 18 years of age (Age requirements may vary in your state). The simpliest way to get your loan started is to complete our online application which is processed instantly, in many cases you can have the loan approved and in your hand the same day. Title loans are designed to provide you with fast cash even if you have experienced credit problems.

When you are held back on financing due to credit issues such as having bad credit it can be really difficult to obtain loans and other forms of financing in difficult times. Auto title loans are a great way for you to receive cash when you need it and getting approved is very quick and simple. If you are at least 18 years old, have steady employment, proof of residence and are not in an active bankruptcy you may qualify for a car title loan through our online application which is processed within seconds. Click on the ‘Apply Online’ button to get the cash you need today.

Three ways to get an interest-free loan – Mirror Online #loans #nz

#interest free loan

Three ways to get an interest-free loan

Here are three routes to interest-free money that won’t be found in the ‘loans’ section of your bank!

Here are three routes to interest-free money that won’t be found in the ‘loans’ section of your bank!

The words ‘interest-free credit’ usually put me on my guard immediately. Many of these deals come with enormous, scary hidden catches; and anyway, in a perfect world, we’d all live within our means and never spend money we didn’t have.

Unfortunately, that’s not always how it works. Genuinely interest-free loan deals do exist – and when you really need to access extra cash, they can be an economical and useful financial tool.

They can also help you get your finances back under control, by chopping the amount of interest you’re already paying on debts.

Here, I’m going to highlight three good ways of getting interest-free cash. I’m also going to outline the pitfalls you need to watch out for – so your ‘free’ money doesn’t drag you deeper into the financial mire.

By the way, if you’ve been hunting through the Mirror Money personal loans section. you won’t have found these options. In fact, providers don’t label them as ‘loans’ at all!

1.) An interest-free overdraft

Many current accounts now have a substantial 0% interest overdraft facility included in the package.

How much can I borrow? It depends on the account you go for, but at the moment (excluding student accounts) the largest interest-free overdraft on offer comes from Santander with its Preferred Current Account, which promises to match your previous overdraft up to a maximum of 5,000.

Sadly, the overdraft is only free for the first 12 months. But on the plus side, you will pocket 100 by opening the account as a welcoming present!

Remember that the size of the interest-free overdraft you’re offered will largely depend on yourcredit rating. So for example, this account is advertised as coming with a 0% overdraft of ‘up to 5,000’. This doesn’t necessary mean you will be offered 2,000 interest-free.

How long is the cash interest-free? Again, it depends on the account, but borrowing via a 0% overdraft is definitely not a long-term borrowing solution. Unless you are a student, the majority of current accounts will only let you have an interest-free overdraft for the first year.

After this, you’ll be charged substantial interest on your remaining negative balance (or in some cases a fixed daily fee) so you need to make sure you’ve paid off your debt within the 0% period.

What to watch out for: It’s very important you don’t exceed your 0% overdraft limit. Doing so will push you into an ‘unauthorised’ overdraft – on which you’ll be charged horrendous rates of interest (typically 20-30% APR).

2.) A 0% on purchases credit card

The other main way of getting a totally ‘free’ loan is to take out a credit card that offers 0% interest on all new purchases.

How much can I borrow? A credit card will normally indicate what its maximum credit limit is before you apply. However, the credit limit you’re offered might be much lower, and (like an overdraft) will depend on your personal financial circumstances.

How long is the cash interest-free? This depends on the credit card. At the moment, the market-leader is the Tesco Personal Finance Clubcard Mastercard. which offers 0% interest on new purchases for a whopping 15 months.

So again, as you can only borrow interest-free for 15 months, it’s not a long-term borrowing solution.

What to watch out for: When your 0% deal ends, you’ll be charged a very high level of interest on your remaining balance (typically 15-20+% APR) – so it’s crucial you clear your balance before this happens.

If you do still have a balance remaining when your 0% deal ends, you could try to take out 0% balance transfer card (see below) and shift their debts across to it.

However, this is a very risky strategy. We all know how much lenders have tightened up on giving credit, and there’s no guarantee you’ll be one of the lucky ones!

You also need to make absolutely sure you make the minimum repayments every month (more if you can afford it). If you’re late or default on a payment, you may well be fined, and your 0% deal is likely to be whipped away from you.

3) A 0% on balance transfers credit card

If you’re already paying interest on a debt, you could turn it into an interest-free loan by shifting it onto a card offering 0% on balance transfers.

How much can I borrow? As with a 0% purchase card, a 0% balance transfer credit card will normally indicate what its maximum credit limit is before you apply. However, the credit limit you’re offered will depend largely on your credit rating and salary.

How long is the cash interest-free? Again, this depends on which card you choose. At the moment, the longest balance transfer deal is on offer from Barclaycard. It lasts for 22 months (with a 2.9% transfer fee).

What to watch out for: While you’ll temporarily eliminate interest payments on your debt, this is not totally free money: The vast majority of balance transfer credit cards charge transfer fees (typically 2-3% of the total debt) to move your money onto them.

If you don’t manage to clear your debt during the 0% period, you’ll be saddled with big interest charges. Rates will typically be between 15-20% APR – but there are plenty of horror stories about people being charged 30% APR or even more!

And again, make absolutely sure you make (at the very least) the minimum payments every single month. Otherwise, you could end up with a fine and a hefty rate of interest on that large balance!

A longer-term, low-rate solution

As you can see, all these are relatively short-term borrowing solutions. If you need a low-interest loan lasting much longer than a year, a long-term, low rate credit card might be a better solution for you.

For example, the Barclaycard Simplicity card offers a low rate of 7.9% APR (variable) on both purchases and balance transfers for the lifetime of your debt. And no transfer fees apply.

Use Mirror Money’s loans comparison service or our current accounts service to explore what’s on the market and see if there’s the right loan for you.

This article was written by our partners at

Tips On Refinancing a Mobile Home Loan #personal #loans #with #bad #credit

#manufactured home loans

Refinancing mobile home loan at lower rate

Buying a mobile home, also known as a manufactured home, can be one of the most affordable ways to own.

One decision can make a significant difference in monthly payments: whether to finance the mobile home with a personal property loan or a mortgage.

Personal property loans, known as chattel loans, have much higher interest rates than mortgages. To some owners of manufactured homes, refinancing chattel loans into mortgages could reduce monthly housing expenses.

Refinancing a mobile home

To qualify for refinancing as a mortgage:

  • The home must be on a permanent foundation that meets standards set by the Department of Housing and Urban Development.
  • The manufactured home must be titled as real estate rather than as personal property.
  • The homeowner has to own the land that the manufactured home is on. An important exception to this rule is explained below.

Big difference in interest rates

In 2012, about 68 percent of all manufactured-housing purchase loans were considered higher-priced mortgage loans, and many of them were chattel loans, according to the Consumer Financial Protection Bureau.

More On Refinancing:


Interest rates on chattel loans range from 7 percent to 12.75 percent, says Ken Rishel, founder of Rishel Consulting Group in Chicago. The loans are usually for 15 or 20 years.

In contrast, the average rate for a 30-year fixed-rate loan has been well below 5 percent for all of 2014.

Rishel, whose company makes chattel loans of at least $5,000, says the interest rates are risk-based, and chattel loans are often the only choice for borrowers with poor credit. Chattel loans are the main option for owners whose mobile homes are not permanent foundations.

Converting to a new title

Some states have eased the process of converting a personal property title into a real estate title, making refinancing possible, says Marc J. Lifset, an attorney with McGlinchey Stafford in Albany, New York.

Lifset helped financial institutions lobby for the approval of that legislation in Alaska, Illinois, Iowa, Louisiana, Maryland, Missouri, Nebraska, North Dakota, Tennessee and Virginia.

“The legislation provides a clear definition of when the home is real estate and when it is not,” he says. “It makes the process more certain. In many states, the definition was murky.”

Getting a real estate title

A real estate attorney or title company can help with a title conversion as a first step to refinance. Owners of manufactured homes need to provide:

  • A certificate of title to the home or a copy of the manufactured certificate of origin.
  • The deed to the land where the home with the permanent foundation is located.

Once the owner has the real estate title in hand, the next step is to find lenders that provide mortgages on manufactured homes. The rest of the process is similar to closing a mortgage on any residential property.

Borrowing on leased land

Under some circumstances, owners of manufactured homes leasing a lot at a mobile home community can get mortgages — even if they don’t own the land beneath their feet.

The Federal Housing Administration offers a program known as Title I, designed for owners whose mobile homes are on a permanent foundation but are within a manufactured housing community.

Among the requirements for a Title 1 mortgage:

  • The mobile home must be the borrower’s primary residence.
  • The home has to be on a rental site in a manufactured home park that conforms to FHA guidelines.
  • The lease agreement must meet FHA standards.

It’s not easy to find mobile home communities that meet the FHA’s strict guidelines, says Rishel, whose company makes chattel loans in land-lease communities. “Not many landlords participate on the Title I program.”

Few lenders offer Title I mortgages. One is 21st Mortgage, which is owned by Clayton Homes, one of the nation’s largest manufacturers of mobile homes.

Costs of switching title

When a mobile home is titled as personal property, the owner pays personal property taxes. When it’s titled as real estate, the owner pays real estate taxes. In many states, property taxes tend to be higher.

“The consumer has to do the math on how much they are going to save by lower interest rates, compared to how much more taxes they may be paying and what the closing costs are going to be” in a refinancing, Lifset says.

Another potential downside: If the owner has to build a permanent foundation to refinance a chattel loan, that expense has to be taken into account. Building a new foundation could cost $10,000 to $15,000, Rishel says.

“Refinancing is a valuable thing but for a limited number of people who live in manufactured homes,” he says.

The VA Jumbo Loan #home #financing

#jumbo loan

The VA Jumbo Loan

Grant Moon

VA loans have specific rules that a lender must follow when evaluating a VA loan application. Affordability needs to be determined by calculating debt to income ratios, a number arrived at dividing monthly obligations by monthly income. Credit is checked either by reviewing a credit score, documenting payment history, or both. And one other thing, the lender sets a maximum VA loan amount. Is there such a thing as a VA jumbo mortgage?

It needs to be noted at the outset, that the Department of Veteran’s Affairs does not establish a maximum VA loan limit. The VA issues a guarantee to a VA lender that represents 25 percent of the loan amount, or four times the available entitlement. Today, that entitlement amount is $36,000 for a guarantee of 25 percent of $144,000.

In reality however, the VA guarantees 25 percent of all VA loans up to $417,000. Where does that $417,000 come from?

VA and Conventional Loan Amounts

Fannie Mae and Freddie Mac establish their own maximum loan limits. Historically, the limits were determined annually based upon the previous year’s median home price. For example, a maximum loan limit was $107,000 in 1982, $202,300 in 1995 and up to $417,000 in 2006 where it remains today. Other areas, so-called high cost areas have higher limits, up to $729,750.

The VA essentially scrapped the four times the entitlement formula when lenders decided to set the maximum VA loan amount to be the same as conventional loan limits of Fannie and Freddie.

Any loan amount above those limits is considered a jumbo mortgage and has higher rates compared to loans at or below the $417,000 conforming limit. Regardless of the loan limit, conventional mortgages require a down payment while VA loans do not.

As long as the VA loan is no greater than $417,000 or $625,000 in VA’s high cost areas , the veteran is required to have no money down in order to obtain the VA home loan. But what if the limit is $417,000 and the veteran wants to use his VA benefit to buy a $500,000 home?

Calculating the VA Jumbo Loan

The veteran can still use the VA home loan benefit to buy a jumbo property but it takes a little calculation first. Remember that the VA will guarantee up to 25 percent of the $417,000 limit. In this example with a $500,000 home, the veteran is required to bring in 25 percent of the amount over and above $417,000. The difference is $83,000 and 25 percent of $83,000 is $20,750.

This represents a down payment of 4.00 percent from the borrower, way below what a conventional loan would require. Jumbo conventional loans ask for at least 10 percent down and require private mortgage insurance to be added, significantly increasing the monthly payment as well as cash from the veteran.

Do Your Homework

You’ll want to shop around for the right VA Jumbo Lender. some may not offer the program but most do and different VA lenders can price their VA jumbo loans differently. Interest rates may be slightly higher for a VA jumbo loan in some instances but whatever the difference in rate, it’s still much lower compared to a conventional jumbo mortgage requiring a 10 percent down payment.

So do your homework, shop around and interview quality VA mortgage companies. If you’re shopping for homes on the higher end and have your VA home loan benefit, this little known program is literally unrivaled for higher income veterans wanting to put as little down as possible on a home.

Tips for Getting a Loan With Bad Credit #signature #loan

#quick loans for bad credit

Getting a Loan With Bad Credit

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If your credit is less than perfect you re not completely out of luck – it s just that you ll have to work a little harder to get funded. But in your situation it s easy to fall into expensive traps, so let s review the things you can do to improve your chances.

What is Bad Credit?

If you’ve been told that your credit ruined your chances of getting a loan, make sure it’s true. There may be errors on your credit report. Once those errors are fixed, things may look very different to lenders.

The term bad credit means different things to different lenders. One lender might turn you away while others are willing to lend. Don t be afraid to shop around before deciding that your credit is a dealbreaker. That said, there are two things to be careful of in this process:

  • Submit all of your applications within a short period of time (two weeks or so) so that you don t ding up your credit with too many inquiries
  • Apply only to reputable lenders such as banks, credit unions, and P2P lenders described on this site; predatory lenders will almost always give you a loan, but you ll regret it later

If your credit is truly bad, here are a few ways to try getting a loan with bad credit.

Visit Credit Unions

Credit unions may be more willing to offer you a loan with bad credit. Because they tend to be smaller than large banks. there s a better chance that they ll look at you personally – as opposed to just looking at a credit score and the loan application.

Continue Reading Below

If you sit across the desk from a human being, you’re more likely to get a loan with bad credit .

Try Peer to Peer Lending

Peer to peer lending services are another good option for getting a loan with bad credit. Instead of borrowing from banks (with rigid rules and higher overhead costs), you can borrow from individuals. They may be more sympathetic, but they’re not looking to lose their money.

Tap Friends Family

Most peer to peer lending sites allow you to borrow from strangers. However, if your credit is really bad, your friends and family may be your only option. They know you, and may be willing to take a chance. If you borrow from friends and family, do it properly so everybody’s protected: document the loan terms on paper, and consider using a third party to process payments.

If friends and family won’t hand over their own money, they might still be able to help. If they have good credit. they can help you qualify for a loan as co-signers .

Use Collateral

If you’re having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows you’re serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it – but there are significant risks.


Some lenders take advantage of folks looking for loans with bad credit. They charge astronomical fees and make it nearly impossible to dig yourself out of debt. Study up on the following types of loans and avoid anything that looks similar:

The Ultimate Loan Scenario Comparison Tool #car #loan #payment #calculator

#loan comparison

Aburt’s “Ultimate” Loan Comparison Tool

Hi, I’m Dr. Andrew Burt. I’m CEO of TechSoft. a custom software/web design company. I wrote this loan comparison tool when my family was looking for a loan, and I realized how difficult it was to compare loans accurately. All the loan comparison tools I found on the net were poor they didn’t take into account a lot of really important factors that could change the outcome, and cost people needless money.

Since I wanted to know the right answer, I wrote this tool to find out. Then I figured others could benefit from it too, so I put it up on the web.

The kinds of questions this page can help you with are: Which loan is better? Should you refinance your mortgage? (Lower monthly payments aren’t the whole picture.) Buy vs. lease? Pay cash vs. borrow? — all these questions have the same thing in common: There are so many factors they’re hard to decide. Moreover, one choice may be better only after a certain number of years — if you’ll sell before then, you made the wrong choice. Unfortunately, the wrong decision can cost you thousands of dollars.

I wrote this software to take all the variables into consideration to answer the question: Which is better for your bottom line? That is, which scenario maximizes your total net worth? The web pages below will show you the answer, month by month.

So — What’s your goal? Click the link below to get to the worksheet:

The Student Loan Finance Corporation #fha #home #loan

#student loan corporation

The Student Loan Finance Corporation

Servicing Students and Lenders

Student loans are big business. In many instances, smaller lenders and student loan providers are challenged by integrating the resources necessary to manage an increasingly complex market. The Student Loan Finance Corporation (SLFC ) is known in the industry as a secondary market a kind of clearinghouse for student loans. It has a three-decade history in providing seamless account management of student loans, and works in tandem with community banks and hundreds of schools nationwide.

Whenever you are considering taking out a private loan, remember to exhaust all other resources first: federal loans, school financial aid, grants and scholarship opportunities. Private loans are based on your credit-worthiness and you may need a cosigner to obtain the loan. Interest rates are usually higher than the rates for federal loans, and come with variable rates that could change monthly. The advantage, of course, is that you can fill in the financial gaps when all of your resources combined just aren t enough.

Products and Services

Since the SLFC is a secondary market for student loans, the corporation is limited in what it can offer students directly. However, you can apply through SLFC for a number of private student loans, often also known as alternative student loans. Private loans are awarded according to credit status and, if approved, you can typically borrow as little or as much as you need to augment the financial backing you have already acquired. As with other providers, you will be expected to apply for federal student loans first before you apply for private loans.

The SLFC offers iHELP Student Loans that cover any college costs that aren t covered by the student s financial aid (scholarships, grants and federal student loans). Any full or part-time college student who has already maxed out their financial aid can qualify for an iHELP loan. The iHELP program is sponsored by the Independent Community Bankers of America (ICBA) representing nearly 5,000 banks of all sizes and charters in 23,000 locations nationwide. The ICBA sponsors the iHELP program through their member banks, and hundreds of schools work with the SLFC, so you need to make sure your school is eligible to accept and process iHelp loans.

In the past, SLFC offered affordable and easy student loan consolidations, but the program is no longer available.

Planning for College with SLFC

A feature of the SLFC is their online college planning tools. Do you need to know more about the nitty-gritty of financial aid? Are you confused about the types of student loans available and which ones are right for you? Access valuable how-to s on the federal loan programs, including grants and even scholarship opportunities.

Online planning tools guide you through the steps you need to strategize for college as early as your freshman year in high school, with savings tips and checklists. It offers advice on choosing a college, what to expect as an in-coming undergraduate or graduate, as well as career assessment advice. Calculators can assist you in estimating your college expenses and the final loan balances you can expect in advance.

The best way to loan your child money to buy a home #student #loans #payment

#money to loan


Getty Images

With real estate prices rebounding strongly in many areas and interest rates still low, now could be a good time for a young person starting out to buy a first home — before prices get out of reach.

But buying without some family assistance might be tough. Mortgage lenders may still demand substantial down payments, charge high fees, and offer unattractive interest rates to those with less-than-stellar credit. The solution? For parents and grandparents to step up and loan the adult child enough money to make the purchase. Obviously, this idea isn’t for everyone, but if you can afford to consider it, here’s what you need to know to avoid unwanted tax complications.

The current low-interest-rate environment makes the idea of loaning money to your child (or grandchild) to help with a first-time home purchase look really good from the borrower’s perspective. But time may be of the essence here, because there’s no guarantee that interest rates will stay this low for too much longer.

WSJ’s House of the Week Is.

From a modernist home on a secluded island to a Nashville home with Hollywood charm, WSJ’s Matthew Strozier reveals the contenders for House of the Week.

Here’s the scoop on charging an interest rate that’s low enough to give your child (or grandchild) a smoking good deal, but not so low that it results in tax complications for you. The key is knowing the IRS-approved applicable federal rate (AFR). The AFR is the lowest interest rate you can charge on a loan to a family member without running afoul of the dreaded below-market loan rules. I won’t go into all the gory details about how these rules work, but they involve tricky calculations and having to pay federal income tax on phantom interest income that you never actually receive. So these rules are something to avoid when possible.

For a term loan (one with specified installment repayment dates or a balloon repayment date), the relevant AFR is the one for a loan of that duration for the month the loan is made. Right now, AFRs are still super-low by historical standards, so making a loan that charges the AFR is a great way to give your child (or grandchild) a very favorable interest rate deal without causing tax worries for yourself.

For example, say you make a $150,000 term loan this month (July 2014) to help your daughter buy her first home. You wisely follow my advice and charge an annual interest rate equal to the current AFR. For a loan with a term of 3 years or less, the AFR is a microscopic 0.31%. The AFR for a loan with a term of more than 3 years but not over 9 years is only 1.80%. The AFR for a loan with a term of more than 9 years is only 3.02%. These rates assume monthly compounding of interest, and they are all pretty sweet from a borrower’s perspective.

You can then continue to charge an interest rate equal to the AFR (whichever one applies to your loan) over the entire loan term, regardless of how interest rates fluctuate during that time. For example, if you make a 20-year loan to your daughter this month, you can charge the low 3.02% rate for the entire 20 years even if interest rates skyrocket in the future.

Note: AFRs can change every month, and they will go up if general interest rates go up. You can find the AFRs for the month you make a loan at the IRS website. Use the search feature, and enter: applicable federal rates 2014.

The bottom line

As long you make the loan while AFRs are still low and charge an interest rate equal to the AFR, your child or grandchild will get a good deal, and you won’t have any tax issues beyond having to report the interest income on your Form 1040. But don’t wait too long. The current super-low AFRs probably have a limited shelf life.

One more thing: be sure to put the loan in writing, and take the extra step of securing the loan with the property your child or grandchild buys. That way, your child or grandchild can deduct the interest under the home mortgage interest rules, and you are assured of getting repaid when the property is sold. You can find suitable canned loan documents on the Internet for free or for a low price.

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Sallie Mae – Smart Option Student Loan Calculator #usda #loan

#student loan payment calculator

For information on your existing Sallie Mae private loans, please log into your online account.


All calculations are estimates only, based on information provided by you and Sallie Mae’s current Smart Option Student Loan terms. Your actual monthly payment amounts, annual percentage rate (APR), and payment schedule may vary from the results shown and will be based on terms in effect at the time your loan is approved.

The interest rate for your loan may be based, in part, on whether you have a creditworthy cosigner. Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate. Your interest rate may be higher without a creditworthy cosigner.


The Sallie Mae Smart Option Student Loan is made by Sallie Mae Bank® or a Sallie Mae lender partner.

2015 Sallie Mae Bank. All rights reserved. Sallie Mae and the Sallie Mae logo are registered service marks of Sallie Mae Bank or its subsidiaries.