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Student Loans

The Smart Option Student Loan® for NBT Bank by Sallie Mae®

For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

Get Started

iStrive Checking

An account built for young adults up to age 24. 

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iStrive Savings

Start building your saving skills early to help you reach your goals.

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Credit Card Options

Start building your credit with a secure credit card option.

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