The Smart Option Student Loan^® for KRD Members 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. The Smart Option Student Loan features and benefits: Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility No origination fee 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 Brochure                           Apply