Education Loans


Whether you're an undergraduate, graduate student, or parent, get money for school from Sallie Mae®. Student loans from APCU in partnership with Sallie Mae® could help!*

At APCU, our mission is to help our members achieve financial success by providing exceptional products and service. While we are proud to offer loans for any worthwhile purpose, we think one of the most worthwhile purposes is to help make financing a higher education easier and more affordable for our young members and their parents/grandparents. Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students**

Learn more about undergraduate student loans or apply here.

Parent Loan***

Learn more about parent loans or apply here.

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study. Find out which loan is right for you!

Borrow Responsibly

Atlanta Postal Credit Union Scholarship Search Powered by Sallie Mae®

Register for free access to 3.5 million scholarships offering up to $18 billion in money for college. 

Invest in the future with Sallie Mae’s® 1-2-3 Approach to Paying for College

When you’re planning for college, the first question is often which school to choose. But just as important is the question of how you’ll pay for it. That’s why we’ve partnered with Sallie Mae® to bring you their 1-2-3 Approach to Paying for College.




* These loans are made by Sallie Mae Bank or a lender partner. APCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Terms and conditions are subject to change without notice.

** Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

*** Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

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


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