The First National Bank of Niagara Smart Option Student Loan® by Sallie Mae®is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

• 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. Our easy-to-complete application takes about 20 minutes. It's quick and easy.
• 24/7 online account management.
• No prepayment penalty