Financial aid for US citizens who study at AUT

American students studying at universities outside the USA can use the Global Education Management Services (GEMS) Smart Options Student Loan by Sallie Mae® to bridge the gap between US federal loans (like Direct and PLUS loans) and their education expenses.

Features and benefits of the Smart Option Student Loan

  • Competitive interest rates
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Fast online application. The easy-to-complete application takes about 20 minutes. It's quick and easy.
  • 24/7 online account management
  • No prepayment penalty

Smart Options Student Loan by Sallie Mae®

About Global Education Management Services

  • Partners with highly regarded and experienced financing companies to provide the best loan options for American students studying outside the USA
  • Offers a wide range of programmes and services to enhance the international education experience for students and universities
  • Worldwide offices in the United States, United Kingdom and Australia
  • Expertise in higher education financing, recruitment and student services management

Global Education Management Services (GEMS) website

Contact us to find out more

Email: or
: + 64 9 921 9820
Fax: + 64 9 921 9925

Postal address
Private Bag 92006
Auckland 1142
New Zealand

Last updated: 17-May-2017 10.03am

The information on this page was correct at time of publication. For a comprehensive overview of AUT qualifications, please refer to the Academic Calendar.