Private Student Loans

The Smart Option Student Loan® for The Stephenson National Bank & Trust by Sallie Mae®
For borrowers attending degree-granting institutions.

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 proves even more flexibility.
  • No origination fees and no prepayment penalty.
  • Rewards and interest rate reductions available.
  • Rates that reward creditworthy borrowers.
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate.
  • 100% US-based Student Loan Specialists
To learn more, please get started here.