Montgomery County EFCU
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Student Loans

The MC EFCU * Smart Option Student Loan by Sallie Mae®


For college expenses not covered by scholarships and federal loans, MC EFCU has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.


The Smart Option Student Loan features and benefits:
  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in- school repayment options available
  • Borrower benefits available–like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Get a quick credit result by applying online. It’s quick, easy, and only takes about 15 minutes to apply.
  • 24/7 online account management
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.


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