We partner with Sallie Mae® to help local students reach their full potential.
You had a solid high school GPA. You conquered the SAT or ACT. But the truth is, whether you can attend college or not often comes down to M-O-N-E-Y. At Integra First, we've partnered with the nation's top educational lender to offer undergraduate and graduate loans that can help you get into the school of your choice and eventually walk out with a well-earned diploma.
- Integra First student loans are provided through Sallie Mae®
- Loans available for students attending a wide range of degree-granting institutions
- Designed to cover gap between school financial aid packages and total academic costs
- Competitive variable and fixed interest rates
- No origination fee or prepayment penalty1
- Multiple repayment options2
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
Disclaimers
These loans are made by Sallie Mae Bank or a lender partner. Integra First Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
These loans are made by Sallie Mae Bank or a lender partner. Integra First Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
2Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2025 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.