Student Loans

The Smart Option Student Loan® for Philadelphia Federal Credit Union by Sallie Mae® is for borrowers attending degree-granting institutions.

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

New for 2017!

Jump-start your studies with Study Starter Get a choice of up to 120 free minutes of live online help from Chegg TutorsTM or free access to Chegg Study® with guided Textbook Solutions.1 

To learn more, get started here.

Apply for a Loan

1 This promotional benefit is provided at no cost to borrowers with loans that first disburse between May 8, 2017 and April 30, 2018. Borrowers who reside in or attend school in Maine are not eligible for this benefit. No cash value. Terms and Conditions apply. Please visit for complete details. This offer expires one year after issuance.

Apply for a Loan

Apply for your Smart Option Student Loan by Sallie Mae. It's easy.

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