Student Loans


Student Loans

Following your dreams counts to you, and that counts to us. That's why NBT Bank* has partnered with Sallie Mae® to offer borrowers attending degree-granting institutions an opportunity to finance educational pursuits.

The NBT Bank Smart Option Student Loan by Sallie Mae®

This loan provides an opportunity to help you pay for college expenses not covered by scholarships, financial aid packages or federal loans. Apply today!

Features and Benefits

  • Borrow up to 100% of your school-certified education costs (minimum $1,000).
  • Choose from competitive fixed interest rates and variable interest rates for undergraduate students and graduate students. 1, 5, 7
  • Smart Reward® Cash Back-Students who become Sallie Mae® Upromise members (which is free to join) and choose the Interest Only or Fixed Repayment Option can get a Smart Reward in their Upromise account of 2% of their scheduled monthly payments that are made on time while in school. 2
  • A lower interest rate-Receive an interest rate reduction while enrolled to make scheduled payments by automatic debit. 3
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate. You can apply to release your cosigner after you graduate and make 12 consecutive on time principal and interest payments. 4
  • No origination fees and no prepayment penalty.
  • Pay now or later. Defer your payments until after school or choose an in-school repayment option that fits your needs. 1,6
  • Manage your account online 24/7.

Through our online referral program with Sallie Mae®, you can pick the loan and payment structure that's right for you from the comfort of your home.

Applying online is fast and easy. It usually takes only 15 minutes to complete. Learn more or apply for the NBT Bank Smart Option Student Loan® by Sallie Mae® today!

Questions regarding your application? Contact Sallie Mae by calling 1.800.806.3669.

* NBT Bank is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

1,2,3,4,5,6,7Click here for important information. Terms, conditions and limitations apply.