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Cont Ed Financial Aid

Sallie Mae Smart Option Student Loans

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Loan Features and Benefits

Cover your education costs

You can use the Sallie Mae Smart Option Student Loans to cover your tuition and other education-related expenses. 

No fees

There is no prepayment penalty.


How much you can borrow per year

Minimum $1,000

Interest Rate

The Smart Option Student Loan has interest rates that reward good credit and are as low as Prime + 0% for borrowers with excellent credit. Interest rates are variable and reset monthly.

Repayment Options

You may take up to 15 years to repay your loan with one of the following options:

  • Standard repayment option, you make level, monthly payments of principal and interest. The minimum monthly payment is $30.00.

  • Interest-only repayment option, you make interest-only payments while you are in school and begin standard repayment of principal and interest once school is completed.

  • Deferred repayment option, you may defer payments for up to 12 months, not to exceed the anticipated graduation date on the application. You are required to make a $10.00 monthly payment during deferment. This $10.00 payment will be toward the interest that accurse on the account during deferment. After deferment, you will begin standard repayment of principle and interest.


Who can apply

The Smart Option Student Loan is a private, credit-based student loan for technical training or trade school, online courses, and other continuing education programs.

General information and account inquiries

Toll free: (888) 2-SALLIE


Our Interactive Voice Response System is available 24 hours a day, seven days a week.

Customer service representatives are available:
Monday-Thursday, 8 a.m.-8 p.m. in your time zone
Friday, 8 a.m.-5 p.m. in your time zone

Education Connection - Apply Now



Steps to start your online Sallie Mae Loan application:

  • Click on "Apply Now"
  • Look UNDER "Apply with a cosigner" and click on "If your cosigner is not present or if you are not an adult who would like to apply individually, click here"
  • Select the state, "South Carolina"
  • Select the school, "Florence-Darlington Tech College"
  • Click on "Submit"
  • Read the terms of use, then click on "I Accept"
  • Start keying in your personal information

If you have any questions concerning the online application, please call Sallie Mae Help Desk: 1-888-272-5543

For further assistance, please call the school at 843-413-2718.

Full User Details