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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 for Independent Bank by Sallie Mae®

For borrowers attending or borrowing for a student attending a degree-granting institution

Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, 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 load is right for you!


Smart Option Student Loan® for Undergraduate Students
Pay for your Bachelor's, Associate's, or certificate expenses at a degree-granting school.


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.

Health Professions Graduate Loan
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.


Parent Loan
Help your student by taking responsibility with a loan in your name.

Learn more and apply now!

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:
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.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1Although 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.


© 2018 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 and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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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



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.