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College Tuition Loans

College is a big investment.

The Smart Option Student Loan® for Impact Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

   The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.


Get Started - Apply Today!


If you're looking to apply for a Stafford or PLUS loan, please contact the Department of Education at 800-433-3243 or visit the Student Aid on the Web information center. You may want to contact your school’s Financial Aid Office or Guidance Counselor for additional guidance.

First Credit Visa

This fixed rate card with credit line of $300 is a great choice for students looking to begin building their credit. With our First Credit Visa, you can establish credit on your own without a cosigner.

Get Started - Apply Today!


Annually at graduation, Impact Credit Union awards $1,000 scholarships to 3 deserving high school graduates who are members or whose parents are members of Impact CU. Applications are submitted by seniors prior to April 1st of each year and are awarded to one recipient for each county we serve.  A Scholarship Application with Rules and Procedures can be printed here or obtained at any of our office locations.

Additional Resources:

Search for scholarships with this free scholarship matching service, and find free money to pay for college!

Search this comprehensive directory of merit scholarships from various sources and scholarships from colleges across the country.

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