Sallie Mae Smart Option Student LoanThe State Bank of Drummond offers all type of loans for the consumer with various needs, be it personal or business. You will receive personalized service and your loan application will be processed quickly and efficiently by one of our loan officers who realize and work towards your needs instead of sending it to someone else, somewhere else, to decide. If you have a question on any of the products, please contact us.


  • Conventional variable rate plan, balloon rate plan or fixed rate loan plans
  • Construction loan plans
  • Home Equity Loans
  • Home Improvement Loans
  • Home Equity Line of Credit


  • Automobile Loans (new and used)
  • Consumer Loans (debt consolidation, vacation, medical reasons, etc.)
  • Boat/RV Loans
  • Lines of Credit


  • Lines of Credit for business operating expenses
  • Equipment Loans
  • Operating and Working Capital Loans
  • Construction and Real Estate Loans


Now you can pay for college the smart way with great repayment options!
Together we can do this.

The State Bank of Drummond 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.

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • 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.

To learn more or to apply, please get started here.


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