Student Loans

Student Loans & Student Loan Refinancing

We want to make financing your education easier and repaying your student loans better!

Through our partnership with LendKey, we are proud to offer financing options for both current students and those who have graduated.  Simply click on one of the options below to get started.

Private In-School Student Loans

Apply for a Private Student Loan

Student Loan Refinancing

Apply Now to Refinance

LendKey's experts are there every step of the way, providing the expertise to help you choose the student loan or refinancing option that best suits your needs.


LendKey Hours of Operation

Phone only - Monday - Friday 9 a.m. - 8 p.m. EST



Need funding for college?

Smart Option Student Loan® for Undergraduate Students

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®

Student loans from TopMark Federal Credit Union in partnership with Sallie Mae® could help!

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

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

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. TopMark 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 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.

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or to apply, please get started here.