Student Loans

These loans are made by Sallie Mae Bank or a lender partner. California Coast Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Borrow responsibly: students and families are encouraged 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 graduate loan products:  This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only.  You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation.  U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible.  For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible.  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 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.
   
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