Find the Right Loan for Your Education Journey
Smart Option Student Loan®
Designed to help undergrads manage the cost of college with reasonable rates and flexible repayment options, this loan supports students at all stages of their undergraduate journey.
Graduate School Loan
Tailored for students who are going the extra mile, this loan offers financial support to help graduate students stay focused on their studies—not their budgets.
Smart Option Student Loan® | Graduate School Loan | |
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Who It's For | Undergraduate students | Graduate students |
What It Covers | Tuition, fees, books, living expenses | Expenses related to master’s or doctoral studies |
Degree Level | Associate, Bachelor’s, Certificates | Master’s, Doctoral |
Smart Option Student Loan®
Who It's For | Undergraduate students |
---|---|
What It Covers | Tuition, fees, books, living expenses |
Degree Level | Associate, Bachelor’s, Certificates |
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Graduate School Loan
Who It's For | Graduate students |
---|---|
What It Covers | Expenses related to master’s or doctoral studies |
Degree Level | Master’s, Doctoral |
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Specialized Education Loans
Focused Funding for Advanced Degrees
Explore loan options designed to support your graduate and professional education, customized for your field of study.
- MBA Loan: Tailored to business students, this loan supports your investment in an MBA program with funding designed for the unique demands of business school.
- Medical School Loan: Helps cover the extensive costs of medical education, including programs in general medicine, osteopathy, podiatry, radiology, sports medicine, and veterinary medicine.
- Dental School Loan: Provides specialized funding for students pursuing degrees in general dentistry or advanced dental fields such as orthodontics, pediatric dentistry, and oral surgery.
- Graduate School Loan for Health Professions: Designed for graduate students in health-related programs, including nursing, pharmacy, and allied health disciplines.
- Law School Loan: Helps finance tuition and related costs as you work toward your Juris Doctor and prepare for a career in the legal field.

Find Free Money for College
TVFCU Scholarship Search
Powered by Sallie Mae®, unlock access to over 3.5 million scholarships worth up to $18 billion, all in one easy, free search tool. Create your profile and discover opportunities that match your goals, background, and interests.
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How to Get Started
Applying Is Fast, Easy, and All Online
We’ve made it easy to take the next step toward funding your education.
- Learn more from our trusted partner, Sallie Mae®.
- Have questions before you apply? We're here to help. Call us at 423-634-3600.

Frequently Asked Questions
We recommend starting with savings, scholarships, grants, and federal student loans before turning to private loans. Be sure to carefully consider your future income and any monthly loan payments before borrowing privately.
These loans are made by Sallie Mae Bank or one of its lender partners. TVFCU is not the creditor and does not make loan decisions. TVFCU may receive compensation from Sallie Mae for referring loan applicants.
Loans are available to students attending participating degree-granting institutions. The Smart Option Student Loan® is for undergraduate students only. Graduate-level loans (MBA, Medical, Dental, and Law School Loans) are not available for certificate or continuing education coursework.
Yes, with conditions. Students who are not U.S. citizens or permanent residents must reside in the U.S., attend a participating U.S. school, and apply with a creditworthy U.S. citizen or permanent resident as a cosigner. They must also provide a valid, unexpired government-issued photo ID.
Yes. The requested loan amount must be at least $1,000. Other credit and eligibility criteria also apply.
No, there are no penalties or fees for early repayment. However, prepayments are applied in the order outlined in your promissory note: first to unpaid fees and costs, then to unpaid interest, and finally to the current principal.
Yes. Sallie Mae reserves the right to change or discontinue its loan products, services, and benefits at any time without notice.
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