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Golden Key.Golden Key members are encouraged to contact Sallie Mae to explore your options for reducing your student loan payments, locking in a low fixed rate and earning valuable borrower benefits with a SMART LOAN Account. Sallie Mae is the nation’s leading provider of education financial services and the 1 provider of consolidation loans. With a SMART LOAN Account, you can Reduce your monthly payments by up to 53%. Lock in rates as low as 6.625% Earn benefits that can drop your rate as low as 5.375% Retain important deferment and forbearance benefits. Issued under the Federal Consolidation Program, the SMART LOAN Account charges no fees or prepayment penalties, and there’s no credit check. What’s more, Sallie Mae offers Golden Key members expert counseling and a complimentary concierge service that handles all the application paperwork. Call 1-800-448-3533 or apply online today to get started. Be sure to identify yourself as a Golden Key member by mentioning promo code SGK. * Your consolidation interest rate will be the weighted average of the rates on the loans you are consolidating, as certified by your loan holder, rounded up to the nearest eighth of a percent. By law, the federal consolidation rate cannot exceed 8.25%. Consolidation interest rates are based on borrower’s underlying loans’ primary rates and do not include discounts for interest rate reduction benefits. Special rules apply to consolidation loans that include HEAL loans. For details, please call 1-800-448-3533. Sallie Mae and SMART LOAN are registered service marks of Sallie Mae, Inc. SLM Co
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