Loan benefits and features include:
The Smart Option Student Loan features three repayment options and competitive interest rates to fit any budget. You can choose from the following repayment options:Pay more. Save more.
Interest Repayment Option
Fixed Repayment Option
Deferred Repayment Option
Are you a high school senior or college freshman who is active in our community? Every year we recognize students for their extraordinary accomplishments in the community through our Desert Schools Community Service Scholarship.See Scholarships
Subject to credit approval.
1 Savings based on typical loan to a freshman borrower attending a degree-granting institution. Interest rates on loans with the Fixed and Deferred Repayment Options are higher than rates on loans with the Interest Repayment Option.
2 The Deferred Repayment Option is only available for degree-granting institutions. Unpaid interest will capitalize when the loan enters principal and interest repayment.