The Smart Option Loan®

Innate has teamed up with Sallie Mae® to offer qualifying students the Smart Option Student Loan.


If you’re attending a degree-granting institution, pay for college the smart way. The Smart Option Loan® is the ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

Features and Benefits

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists