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WHEN STUDENTS CHOOSE SMART TODAY THEY’RE READY TO TAKE ON THE WORLD TOMORROW.


The Smart Option Student Loan® for the second semester.


is an ideal solution for students who have funding gaps


That’s because this popular loan offers a winning combination of affordability and  payments while in school or defer them until after school.1


on-time payments while in school, there’s a generous Smart Reward®


 .2


The Sallie Mae Smart Option Student Loan and you: Together, we can help students borrow smarter and build a brighter future.


Visit SallieMae.com/SmartChoices


1 Unpaid interest will capitalize when the loan enters principal and interest repayment. 2


While a Upromise member, primary borrower (must be age of majority – typically 18 years old) can earn reward into his or her Upromise account of 2% of the scheduled loan payment amount for each on-time payment during the in-school and separation periods. After two consecutive past-due payments, the loan is no longer eligible for the reward. Benefit subject to the terms and conditions of the Upromise service (as may be amended from time to time), including without limitation, restrictions on conversion, transfer and redemption of rewards, reward denomination, including whether and under what circumstances the rewards have independent cash value, and terms relating to fees and/or forfeiture of rewards. Upromise accounts are not FDIC-insured, carry no bank guarantee, and can lose value.


Interest rates on loans with the Fixed and Deferred Repayment Options are higher than rates on loans with the Interest Repayment Option. Sallie Mae Smart Option Student Loans are made by Sallie Mae Bank®


or a lender partner. The Sallie Mae logo, Sallie Mae, Sallie Mae Bank, Sallie Mae Smart Option Student Loan, Smart Option


Student Loan, and Smart Reward are registered service marks of Sallie Mae, Inc. Upromise is a registered service mark of Upromise, Inc. SLM Corporation and its subsidiaries, including Sallie Mae, Inc., are not sponsored by or agencies of the United States of America. Copyright 2011 by Sallie Mae, Inc. All rights reserved. SMSOSL MKT3427 1011


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