Student Loans

Managing your money can be difficult, and so can college, but financing your education doesn’t have to be as hard as you think. If you need a loan, we’re here to help.

Where to begin?

To start, we encourage you to work with your college financial aid office. They're the best source of information on available federal and state financial aid sources (including grants, loans, and other forms of financial aid) for which you may qualify.

Federal aid programs

Financial aid programs for students usually require completion of the Free Application for Federal Student Aid (FAFSA). You can complete this form online at If you  still need for additional college financing after completing the FAFSA process, Independent Bank offers financing options.

The Smart Option Student Loan® for Independent Bank* 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, 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 provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialists

To learn more or to apply, get started here.

Additional financing options

Home equity loan or personal loan.

  • A home equity loan allows you to borrow money secured by the equity in your home to cover college tuition, and the interest may even be tax deductible.
  • A personal loan can also help with college expenses, just ask us how.
  • To see the benefits and for more information about these options, click here or call us at 800.285.3111.

Learn more

Click here to learn about student loan consolidation and here to learn about some of the benefits and risks associated with student loans.

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.
*Independent Bank does not take applications for Sallie Mae Smart Option Student Loans®, which are made by Sallie Mae Bank.
Independent Bank is compensated for the referral of Sallie Mae Smart Option Student Loan® customers.