Invest in your future with a student loan.

Student aid, scholarships and grants don’t always cover the cost. That’s why student loans from Sallie Mae® could help.

No matter where you are in your student loan journey, we are here to offer competitive loan options, educational resources, and guidance when you need it most.

Features included with every loan to pay for school-certified expenses.

Competitive Rates

Competitive variable and fixed interest rates

No Origination Fee

No origination fee or prepayment penalty

Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. 

Multiple Repayment Options

Choose the repayment option that’s best for you 

Explore student loans.

Whether you’re an undergraduate, career training or graduate student these flexible loans are designed to meet your needs.

Smart Option Student Loan®

Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school or pay for professional training and trade certificate courses (culinary, technical, etc.) at a non-degree-granting school.

The Graduate Loan Suite

The greatest benefit to taking out a graduate student loan is the ability to pay for the graduate education that's important to you and specific to your field of study. 

Tools and resources.

We're here to help you feel confident about your finances and focus on your future.

FINANCIAL EDUCATION CENTER

Money Mentor: The following content is provided by EVERFI, Inc, for educational purposes only. The information provided is not intended to provide investment, tax or legal advice and may contain information on products or services not available at M&T Bank and may describe practices or policies not available or applicable to M&T products. All examples are for illustrative purposes only. 

Financing Higher Education

Learn what to consider when financing higher education, preparing for graduation, and building a career.

Application Checklist

Before starting, we recommend you (and your cosigner, if applicable) have the following information handy:

  • Permanent address
  • Social Security numbers
  • School information
  • Academic period of enrollment
  • Requested loan amount
  • Financial aid and scholarships you expect to receive
  • Employment information
  • Financial information
  • Two personal contacts (other than your cosigner)
Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. M&T Bank reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
Student Resources

Countdown to College

Stay on track: Your stress-free guide for applying to college.
Read Article >
STUDENT RESOURCES

Decoding Financial Aid Offers

Six tips you should know before making the big decision.
Read Article >
STUDENT RESOURCES

Paying for college responsibly

Learn how to pay for college responsibly. Develop your plan for paying for college.
Read Article >

Explore Scholarships

With M&T Bank's Scholarship Search, powered by Sallie Mae®

Get free access to 3.5 million scholarship opportunities. Register Today>

Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
All loans and lines of credit and all terms referenced are subject to credit approval and other conditions. Other terms, conditions, fees and restrictions may apply.
These loans are made by Sallie Mae Bank or a lender partner. M&T Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. 
Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

Graduate School Loan and Graduate School Loan for Health Professions are for graduate students at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

MBA Loans are for graduate students in an M.B.A. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

Medical School Loans are for graduate students in an M.D., D.O., D.V.M., V.M.D., or D.P.M. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

Dental School Loans are for graduate students in a D.D.S. or D.M.D. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

Law School Loans are for graduate students in a J.D. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
All loans and lines of credit and all terms referenced are subject to credit approval and other conditions. Other terms, conditions, fees and restrictions may apply.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.   © 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.