Preheat the oven to 350.

Once the oven is hot, you can start on the wet ingredients. In a large mixing bowl, mash the peeled bananas either with a hand mixer, a fork or a potato mixer. When they are lightly mashed, add the sugars, oil, milk, vanilla and egg to the bowl with the mashed bananas. Use a hand mixer to mix together until everything is combined evenly.

In a separate bowl, whisk together the flour, baking powder and salt. Pour the dry ingredients into the wet ingredients in 2 to batches, mixing quickly with a hand mixer to combine. When you have the batter ready to go, set it aside.

For the swirl stir together 1/4 cup of both brown and white sugar with 1 heaping tsp of cinnamon in a separate bowl.

Generously spray a loaf pan with nonstick cooking spray. Pour half of the banana bread batter evenly across the loaf pan.  Then evenly spread the cinnamon sugar mixture over top of the batter. Pour or spoon the remaining batter across the the top of the cinnamon sugar layer

Now you put the whole thing in the oven and bake for 55- 65 minutes or until a toothpick inserted in the middle comes out clean.

Let cool completely prior to cutting.