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The smart option student Loan® for PARDA Federal Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan Features and Benefits:


• Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates providing even more
  flexibility
• No origination fees and no prepayment penalty
• Benefits and interest rate reductions available
• Rates that reward creditworthy borrowers
• Applying with a creditworthy cosigner may help you qualify
• 100% US-based Student Loan Specialists

To learn more, please get started here.

Account Perks

  • 24 Hour Access to your account.
  • Check out eStatements to learn how to view your monthly statements electronically.
  • If you'd like to sign up for eStatements, click here to apply.
  • If you're already signed up for eStatements and would like to view your account, sign in here.
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*APR – Annual Percentage Rate, subject to change. Subject to credit approval. The APR disclosed above is the lowest rate available for members with an excellent credit history and includes the rate reduction and the .25% direct deposit rate reduction. Your rate will reflect your individual credit history and may be higher than the rate quoted here. Not a promise to lend; standard credit qualifications and some restrictions apply. This promotion does not apply to existing PARDA FCU loans.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.