Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App

Student Loans

Further your education

Our goal at Heartland Credit Union is to help you achieve yours.

  • Overview

    Get the education you deserve

    Don’t let the cost of obtaining a degree stop you from chasing your dreams. We offer Sallie Mae® higher education loans to support the needs of undergraduates, graduate students and parents alike.

    Find out which student loan is right for you


    Competitive interest rates



    Multiple repayment options



    No origination fees or prepayment penalty


  • Find Free Money For College

    Fund your education

    We understand that pursuing a higher education can come at a high cost—which is why we’re here to help. Each spring, Heartland awards three Dale Lieb Scholarships, one for $1,000 and two for $500, to qualifying Heartland members. Watch for details and deadlines.

    Free money is also available through our College Grants and College Scholarships. Find the opportunity that fits your needs today!


  • Planning For College

    Here to help with all the details

    Preparing for college is a little more complex than updating your wardrobe and finding the perfect dorm decor. Prepping for this next chapter of your life takes time, effort and research to ensure you make the most of it—and your money. But don’t worry, we’ve got you covered.

    From choosing the college that is right for you to applying and completing application forms correctly and on time, we’re here to help!

    Start planning today!

I was impressed with the service and the loan rate. The dealer couldn't beat it! It was a good reminder why people like doing business with their credit union.

Thomas M.

Built for life on the go

Manage your money anytime, anywhere with Heartland Free Mobile Banking.

Apply online in minutes.

Student Loans Disclosures

Borrow responsibly. 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. Heartland 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 borrowers attending degreegranting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to
the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

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.


© 2018 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.