Student Loans

The Smart Option Student Loan® for Mid-Illini Credit Get the money you need for school with the Smart Option Student Loan. Get Started Today.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, providing 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 or to apply, please get started here.


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Membership is open to anyone who lives or works in McLean County, is related to a current MICU member, or would like to join the Mid-Illinois Dollars for Scholars Foundation.

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