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Student Loans

Empowering your future

What do you want out of life? A student loan can help get you there. Through Sallie Mae®, we offer everything from a little extra cash for books to heavy-hitting grad school loans.

Explore Student Loan Options

Competitive Rates

Save more each month with a lower interest rate.

Flexible Payments

Find a payment and term that works for your future.

No Extra Fees

Never worry about origination fees or pre-payment penalties*.

I have used the Zing Credit Union to obtain loans over the years. I call and talk to the person about my needs, complete the form online. I usually hear back from them within a couple days. Then I have them put the funds in my account. Very professional and pleasant to deal with, and they always exceed my expectations. They show kindness and compassion.
Thank you for being there for me.

Deborah G.

Here's how it works


Explore Your Options

Before applying for a loan, be sure to explore scholarships and federal funding.


Apply Online

Fill out a quick online application. It only takes a few minutes to apply.


Get Approved

Get the cash you need to jumpstart your education. Cover books, tuition, fees, and more.

Student Loans Disclosures

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Zing Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

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.

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.


© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.