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Student Loans

NEA® Graduate Loans by Sallie Mae®

Bridge the gap between grad school costs and what scholarships, grants and federal loans cover

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Pay for expenses as you pursue your master’s, doctorate, law, MBA, medical, or dental degree

Federal loans, grants and financial aid packages don’t always cover all of the costs of higher education. The NEA® Graduate Loans by Sallie Mae® can help you bridge the gap so that you or a loved one can focus on learning—with less financial stress.

  • Competitive variable and fixed interest rates
  • Borrow up to 100% of school-certified costs, such as tuition, fees and books*
  • NEA members are eligible for an exclusive 0.25 percentage point interest rate reduction after 12 consecutive on-time repayments*
  • Extended grace/separation periods and longer repayment terms for borrowers enrolled in disciplines such as medical, dental or law school

How It Helps

Terms that help you manage the high cost of a graduate education

Interest rate reductions

Along with competitive rates, get an exclusive NEA member 0.25 percentage point interest rate reduction after making 12 consecutive on-time payments.* Get an additional 0.25 percentage point interest rate reduction when you begin repayment while enrolled in school and pay via automatic debit.* There are no hidden origination fees or penalties for prepayment.*

Easy to use

Help pay for any school-certified expense related to a graduate education at a degree-granting institution, for yourself or a family member.* Sallie Mae disburses funds directly to the institution.

Benefit from multiple repayment options

We offer three repayment options so you can choose to make in-school payments or defer until after school. You choose what best fits your financial and professional goals.

Quick application

Apply online and get a credit result in as little as 15 minutes.

How It Works

Find the loan that's right for you

Learn about paying for graduate school

Sallie Mae has developed many resources to help you plan for and manage graduate school costs. Arm yourself with information before applying for a loan.


Guides
How America Pays for Graduate School (PDF guide)

Are you an undergraduate student or parent?

Learn about Undergraduate and Parent Loans
NEA® Smart Option Student Loan® by Sallie Mae®
NEA® Parent Loan by Sallie Mae®

When you’re ready to apply for your loan:

  1. Make sure you’re logged in to your NEA Member Benefits account, then click “Learn More and Apply” above, or call the number under the button to apply by phone.
  2. Click “Get Started” on the Sallie Mae website to open the online application.
  3. Find the loan that’s right for you and click on “Apply for this Loan.”
  4. Complete the application—it only takes about 15 minutes!

Help finance life's bigger expenses

NEA® Smart Option Student Loan® by Sallie Mae®

Get a flexible student loan with an exclusive 0.25 percentage point interest rate reduction* to help pay for expenses financial aid may not cover. This student loan can help you or your student focus on learning—with less financial stress.

Learn More

NEA® Parent Loan by Sallie Mae®

Get competitive rates and an exclusive 0.25 percentage point interest rate reduction* just for NEA members. Give the gift of education with the NEA Parent Loan by Sallie Mae, to pay for the expenses that scholarships, grants and federal loans may not cover.

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Terms & Conditions

* For more important information on the rate, fees and other conditions of this program, please see the Terms and Conditions.

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.

NEA’s Member Benefits Corporation receives compensation from Sallie Mae for this program. NEA’s Member Benefits Corporation does not receive any dues dollars from NEA to support Member Benefits programs.