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Student Loans

Further your education

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

  • Overview

    Wherever you are in your higher education, get the most you need for school.
    Student loans from Heartland in partnership with Sallie Mae® could help!

    For borrowers attending a degree-granting institution.

    Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students.

    • Competitive interest rates
    • Multiple repayment options
    • No origination fees; no prepayment penalty(1)

    Find out which 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: These loans are for students at 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. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. 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.


© 2021 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.