To help graduate and professional students and the parents of dependent undergraduates pay for college, SMS Hawaii^® is pleased to offer PLUS loans through its lender partners.

In addition, SMS Hawaii offers a 0.25 percentage point interest-rate reduction to eligible PLUS borrowers who choose auto-debit for their PLUS-loan payments.

SMS Hawaii is a nonprofit corporation that is devoted exclusively to serving the higher-education-finance needs of residents of Hawaii and residents of other states who attended college in Hawaii.

As with all of its borrower-benefit programs, SMS Hawaii reserves the right to modify or discontinue this benefit at any time and without notice.