Farmers and Merchants Bank has partnered with College Loan Corporation to aid students in the process of financing their education. The College Loan Corporation's CLC® Premier Loan aids students to bridge the gap between federal aid and college costs. The CLC® Premier Loan is credit-based with features - Interest rate as low as prime 0%, origination fee as low as 0%, apply for co-borrower release after making 24 consecutive scheduled payments on time and meeting credit and eligibility criteria for the loan, interest capitalized at repayment, to save you money, 0.25% interest rate reduction for automatic payments, 0.50% interest rate reduction for borrowers who make interest payments in school, no prepayment fee, no payments for 6 months after graduation or dropping below half-time enrollment, flexible repayment terms and borrow the full cost of attendance, minus other aid received.