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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.


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, providing even more flexibility

No origination fee and no prepayment penalty

Benefits and an interest rate reduction available

Rates that reward creditworthy borrowers

Applying with a creditworthy cosigner may help you qualify

100% US-based Student Loan Specialists


To learn more or to apply, get started here.

Independent Bank's Student Loan Consolidation Product

Independent Bank offers student loan consolidation options that allow college graduates to combine all of their outstanding student debt into one easy-to-manage monthly payment. With competitive rates on an unsecured loan up to $50,000, and a fixed term up to 15 years, Independent Bank's Student Loan Consolidation product is the smart choice for graduates who have completed their degree and have been employed for at least two years.

Student Loan Consolidation Product benefits: 

Receive a lower interest rate

Consolidate multiple payments into one low monthly payment

Refinance your current variable rate to a fixed rate^

Enjoy flexible terms^^

Save with a .50% interest rate reduction with auto pay from an Independent Bank deposit account


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.



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.
^Variable rate options may be available in the future.

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