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Student Loans

Student Loans

Click here for more information on CU Student HELP Smart Option Student Loans.

The LVECU Smart Option Student Loan® 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!
The 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, please 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 provide 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, please
get started here.

* We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

        College Scholarships, Grants and Loans – What do they Cover?

Students and their families have plenty of options to consider when it comes to paying for
college tuition. From scholarships to grants to loans, filing the gap can be a confusing
proposition. Before deciding what options are right for you, here are a few important tips to
keep in mind.

1. Start with free money.

Begin by maximizing "free" money that you won't have to pay back, including scholarships,
grants, and work-study. We've partnered with Sallie Mae® to offer our members access to
their Scholarship Search tool, with more than 5 million scholarship options worth $24 billion.
Scholarships can be based on residency, personal interests, grades, and more. When you
register to use Scholarship Search by Sallie Mae, you can enter a monthly $1,000
sweepstakes. No purchase necessary. Void where prohibited. See official rules at

2. Carefully consider how much money you need.

Lehigh Valley Educators Credit Union encourages our members to borrow responsibly, only
taking on the amount of debt you really need. Keep in mind that college costs include more
than tuition – you may need to include funds for housing, food, school supplies, transportation, a computer, and more. Once you have the total cost for the upcoming year, subtract any scholarships or grant money you’ve received, as well as any savings you or your family plans to contribute toward your education.

It’s important for students to borrow only what they need to fund their education, not
necessarily a lifestyle. In some cases, the loan amount offered to you might exceed the
amount of money you really need to cover your expenses. To keep your debt low, determine
your budget and only borrow what you need to live on. Also explore options like work study
programs through your school or other job opportunities that can help defray college costs.

3. Consider responsible gap financing.

If after considering your savings, scholarships and grants, you still come up short, a private
student loan can help to fill the gap. LVECU has partnered with Sallie Mae to offer our
members the Smart Option Student Loan®. To encourage responsible borrowing, Smart
Option Student Loans must be certified by the school’s financial aid office to help ensure
students borrow no more than their cost of attendance less other financial aid received. With
competitive variable and fixed interest rates, choice of deferred and in-school repayment
options, and no origination fee or prepayment penalties, the Smart Option Student Loan is a
responsible way to fund your education.

For more information or to apply visit www.salliemae.com or call 1-877-279-7172.

LVECU is not the creditor for these loans and is compensated for the referral of Smart Option
Student Loan customers. This information is for borrowers attending degree-granting institutions only. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.


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