neches logo CU Student HELP Smart Option Student Loan made by Sallie Mae
 
college students
 


Take control of your future. Solidify your college dreams by applying now for
the CU Student HELP Smart Option Student Loan!
Call 1-877-458-8285 or click the Apply Now button.

apply now for the CU Student HELP Smart Option Student Loan
 

With college costs growing fast, it’s time to borrow smarter. The CU Student HELP Smart Option Student Loan offers multiple repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

Loan Features and Benefits
  • Pricing that rewards creditworthy borrowers.
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate.
  • Get a quick credit result. Applying online is fast and easy. It only takes about 15 minutes to apply and get a credit result.
  • Pay now or later - defer your payments until after school or choose an in-school repayment option that fits your needs.1
  • Borrow up to 100% of your school certified education costs (minimum $1,000).
  • Earn rewards for paying on-time. Choose the interest repayment option or fixed repayment option and get a 2% Smart Reward® in your Upromise® account when you make scheduled monthly payments on-time while in school.2
  • Lower your interest rate. Enroll in automatic debit and reduce your interest rate by a 0.25 percentage point.3
  • You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments.4
 

(1)The deferred repayment option is only available for degree-granting institutions. Interest that accrues or remains unpaid during the in-school separation period will be capitalized when repayment begins.

(2)Primary borrower can earn reward into his or her Upromise account of 2% of the scheduled payment for each on time payment made during the in-school and separation period only while enrolled as a Upromise member. Primary borrower must be of age of majority (typically 18 years old). If borrower has two consecutive scheduled payments past due on a loan, he or she will no longer be eligible for the reward on that loan. The reward is not earned on payment amounts in excess of the scheduled payment. Benefit is 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 the forfeiture of rewards.

(3)Recurring automatic monthly payments must be successfully deducted from designated bank account for rate reduction to apply. Benefit suspended during periods of forbearance and certain deferments.

(4)To qualify for cosigner release, borrower must meet age of majority requirements, be a U.S. citizen or permanent resident and meet the underwriting requirements when the release request is processed.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK THE SALLIE MAE WEBSITE (SallieMae.com) TO OBTAIN THE MOST UP-TO-DATE PRODUCT INFORMATION. Rates and other information valid as of May 16, 2011. Sallie Mae Smart Option Student Loans are made by Sallie Mae Bank® or a lender partner. Sallie Mae, Sallie Mae Bank, Sallie Mae 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. and Upromise, Inc., are not sponsored by or agencies of the United States of America. ©2011 Sallie Mae, Inc. All rights reserved.