Get Borrower Application (pdf) - Sallie Mae

You can provide proof by scanning and emailing your documents, faxing them, or mailing them to us. Upload scanned documents and pictures to https://secureupload.salliemae.com. Fax documents to 800-627-7532.

Sallie Mae will check your credit when you apply, but the lender does not disclose its minimum credit score. The lender encourages but does not require use of a creditworthy co-signer to qualify for a loan or a lower interest rate than you could on your own.

When you (and your cosigner, if you have one) pass the credit review, you'll be notified that you're approved. It can take as few as 15 minutes to find out whether you've met their credit requirements. If the lender needs more information, the approval can take a few business days.

Some reputable loan providers known for not having GPA requirements include Sallie Mae, Discover, and Wells Fargo. These lenders typically base their loan decisions on factors such as the applicant's credit score, income, and employment history.

The average credit score for approved Sallie Mae borrowers is around 748 for undergraduate student loans. That's pretty high – but don't panic if your credit score is much lower than that. You'll need a minimum credit score (or have a cosigner with a minimum credit score) that is somewhere in the mid-600s.

Applicants may need to submit a copy of their driver's license, Social Security card, or citizenship documentation (time varies). Credit decisions may require income verification documents.

Lenders use your FICO® Score to estimate your credit risk—how likely you are to pay your credit obligations as agreed. It also helps you get credit based on your actual borrowing and repayment history. If you have a Sallie Mae private student loan, you may have access to your monthly FICO® Score for free 1.

Online: Log in to your account, go to the Resource center > Forms > Secure Document Upload. • Mail: Sallie Mae, P.O. Box 3319, Wilmington, DE 19804-4319. Fax: 855-756-0011. If you think of any questions, chat with us through our app or online.