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You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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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. You can also use our Scholarship Search Tool to find the best scholarships for you.

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 www.fafsa.ed.gov. If you still need additional college financing after completing the FAFSA process, Independent Bank offers financing options.

 


Get the money you need to help make higher education happen.

Student loans from Independent Bank in partnership with Sallie Mae® could help!

 

For those attending a degree-granting institution

 

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 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

 

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. Independent Bank 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.

 

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

 

© 2021 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

Build Your Credit

Visa® College Real Rewards Card

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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.

 

 

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest. Independent Bank is compensated for the referral of Sallie Mae Smart Option Student Loan® customers.


*Independent Bank does not take applications for Sallie Mae Smart Option Student Loans,® which are made by Sallie Mae Bank.

 

^^A minimum credit score of 700 is required to be eligible for this program. Normal credit restrictions apply. Other terms and restrictions may apply.