Sallie Mae Student Loan review: for students with low credit

See the Sallie Mae Student Loan, a traditional option in the country and get a chance to access a loan with 100% coverage, low APR rates and free remote help with college assignments.


Sallie Mae Student Loan: You can finance up to 100% of your studies!

Sallie Mae Student Loan logo
Read our full review of the Sallie Mae Student Loan. Source: Sallie Mae

Indeed, talking about college is talking about a life goal. If you don’t put limits on your dreams, count on the Sallie Mae Student Loan.

Sallie Mae Student Loan logo

Sallie Mae Student Loan: find out how to apply!

Loans for students with coverage of up to 100% of your study expenses and the possibility to increase your chances of being accepted with a guarantor.

So, this is your chance to finance your studies even with no credit or bad credit. Below, understand how this traditional student loan service works.

3.37% to 13.72% variable APR

3.75% to 13.72% fixed APR

Career training:
3.37% to 14.08% variable APR

3.75% to 14.08% fixed APR
Loan PurposeScholarships for Undergraduates, MBA, Dental Residency, Vocational Training, Medical School, Graduate Health Professions, Bar, Medical Residency, Law School, and more
Loan AmountsFrom $1,000 to 100% of the school-certified cost of attendance (including room and board, fees, books, supplies, transportation, and computer for school)
Credit NeededNot specified
Origination FeeNone
Late FeeUnspecified value
Early Payoff PenaltyNone

Is the Sallie Mae Student Loan a good option?

Indeed, Sallie Mae has been on the market for over 50 years. During this period, it consolidated itself in the credit market as a very advantageous option for students.

After all, it offers loans that cover up to 100% of college costs with relatively low APR rates. You are also building your own credit by making your payments on time.

You can track this progress by checking your FICO® score for free every three months.

Sallie Mae also offers unique opportunities for minorities and populations historically struggling to occupy higher education spaces.

Finally, you can qualify for a 0.25% discount just by activating the automatic payments option.

The pros and cons of the Sallie Mae Student Loan

Student Sallie Mae Student Loan
Learn about the benefits of using the Sallie Mae Student Loan. Source: Sallie Mae

Below, discover the main advantages and disadvantages of having this student loan service:


  • Option to choose a variable or fixed APR, both with relatively low values;
  • With a good guarantor, even applicants with bad credit or no credit can get a student loan;
  • Get funding for up to 100% of your study expenses and other important expenses (accommodation, food, books, materials, transport, and computer for studies).


  • It does not offer a financial incentive program to reward students with good grades;
  • You cannot see if you are eligible or what interest rates you will have access to before the credit check.

What credit score do you need to apply?

Indeed, Sallie Mae does not set a minimum credit score for its applicants. However, if your score is not at least good, we recommend you sign up with a guarantor with at least this credit score level.

Sallie Mae Student Loan application process

Apply online without queuing, waiting, or bureaucracy. To find out how the application process works, read our post below!

Sallie Mae Student Loan logo

Sallie Mae Student Loan: find out how to apply!

Loans for students with coverage of up to 100% of your study expenses and the possibility to increase your chances of being accepted with a guarantor.

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