Student Loans

Choose the student loan that's right for you

Get the money you need to help make higher education happen. Student loans from IFCU in partnership with Sallie May could help!

Learn which loan is right for you.

IFCU student loans by Sallie May®

Whether you're an undergraduate or graduate student, these flexible loans are designed to meet your needs:

• Competitive variable and fixed interest rates
• No origination fee or prepayment penalty
• Multiple repayment options

Choose which student loan is right for you.

Undergraduate
Smart Option Student Loan^® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school

Graduate
Graduate School Loan^SM
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan^SM
Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan^SM
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan^SM
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Health Professions Graduate Loan^SM
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Law School Loan^SM
Pay for your school and associated expenses as you study for your law degree

Solid advice You Can Trust

Filling out FAFSA

Filling Out the FAFSA

The Free Application for Federal Student Aid (FAFSA) is an application for financial aid made up of scholarships and grants that the government awards to students based on their needs.

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The Cost of College

The Cost of College

Planning for college means anticipating big changes to your budget. This Coach session will walk you through the biggest expenses you’ll need to pay and help you create a list of expenses for one year. To begin the Coach session, select Get Started. Next, follow along, answer questions, and provide information when asked.

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How to Budget for College

College Budget Breakdown

Most people ask, "How much does college cost?"—that’s the first mistake. It’s not to say this question isn’t answerable, but grouping college into one huge expense can be a little deceiving.

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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. Industrial 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: 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.

1 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.

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