Sallie Mae Student Loans

Sallie Mae® Smart Option® Student Loans

Get the money you need to help make higher education happen.  student loans from utelfcu in partnership with sallie mae could help!

For those attending or borrowing for a student attending a degree-granting institution

Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty¹
  • Multiple repayment options

Learn which 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

Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Law School Loan

Pay for your school and associated expenses as you study for your law degree

Parents

Parent Loan

Help your student by taking responsibility with a loan in your name

Learn which loan is right for you

 

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.  UTELFCU 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 verfy 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.
¹Although 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 BENFITS 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.

Utica District Telephone Employees Federal Credit Union

Utica District Telephone Employees Federal Credit Union provides a complete range of financial services to employees of Verizon and Spectrum Cable, Northland Communications and their families.

Routing Number

#221376924

Contact

Get In Touch

2812 Genesee Street
Utica, NY 13502

Office Hours: M-F: 8am-4pm
Phone: (315) 724-5133
Toll Free: (844) 470-9880
Fax: (315) 793-8296

NMLS ID

#439936

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