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We support your educational pursuits. Fund your education with the Smart Option Student Loan® by Sallie Mae®.

Key Features

  • Competitive Rates
  • Multiple Repayment Options
  • No Origination Fees1
  • No Prepayment Penalty1

Choose the student loan that’s right for you.

Whether you’re an undergraduate, graduate, or parent— through Smart Option Student Loan® by Sallie Mae®, we have options to meet your needs.
- Multiple repayment options
- Competitive fixed and variable interest rates
- No origination fee or prepayment penalty1

Eddie Reeves Community Commitment Scholarship

Each spring, Family Trust awards this scholarship to a member who exhibits a strong spirit of leadership and volunteerism. The $5,000 scholarship remembers Mr. Reeves, a credit union volunteer and board chairman who served Family Trust for over 30 years.

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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. Family Trust Federal 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 for undergraduate students and Sallie Mae loans for graduate school expenses: 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 a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.   


© 2020 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. 

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