Lenders to Choose

• Stafford benefits:
• 0% Origination fee 3% of the original loan amount returned after graduation in 2 installments with proof of graduation
• 1.5% credit at repayment
• 1.5% credit after 12 payments by due dates as initially scheduled
• Receive an additional .50% interest rate reduction after 36 on time payments with proof of graduation
• Zero interest for the first year of the first unsubsidized stafford loan
• PLUS benefits
• In just 48 months, parents can get an account credit based on 3% of their original PLUS loan amount
• 1% credit after making the first 6 payments by due dates as initially scheduled
• 2% credit after making the first 48 payments by due dates as initially scheduled
• Parents may postpone payments for up to 60 months while child is in school

BANK OF AMERICA
This information is subject to change, please contact the lender directly to receive current benefit information.

• Stafford benefits:
• Zero fees (No Origination fee and No Default fee)
• 1% principal reduction at 12 months of on time payments
• 1% principal reduction at 24 months of on time payments
• 1% principal reduction at 36 months of on time payments
• 0.25% interest rate reduction for automatic debit
• 15 day grace period for late payments

• PLUS benefits:
• 0% Default fee 1% principal reduction at 12 months of on time payments.
• 1% principal reduction at 24 months on on time payments
• 1% principal reduction at 36 months of on time payments
• 0.25% interest rate reduction for automatic debit
• 15 day grace period for late payments

• Stafford benefits:
• ZERO fees (No Origination fee)
• 3.3% account credit or cash back after 33 on-time payments
• Immediate 0.25% interest rate reduction for automatic direct debit of payment of payments

• Stafford benefits:
• ZERO fees
• (No Origination fee and No Default fee)
• 1% automatic interest rate reduction at repayment.
• All students are guaranteed this benefit. 0.25% interest rate reduction
• reduction for E-Z Pay auto-debit payment program
• Unlimited opportunities to earn your automatic rate reduction back if you ever miss a payment
• ZERO payments your last six months
• Parent PLUS Loan benefits: 0% Federal Default fees
• 0.75% automatic interest rate reduction at repayment
• All borrowers are guaranteed this benefit
• 0.50% interest rate reduction for E-Z Pay auto-debit payment program
• Unlimited opportunities to earn your automatic rate reduction back if you ever miss a payment
• ZERO payments your last six months

• Stafford benefits:
• For new borrowers after January 1, 2007
• 0% Origination fee
• 0% default fee
• 1% interest rate reduction at graduation
• 25% interest rate reduction for auto-debit 1% rebate after first 12 on-time payments
• 1% rebate after next 12 on-time payments
• Benefit repair option after 24 months of on-time payments
• PLUS benefits: for new loan borrowers after January 1, 2007
• 0% default fee
• 1% interest rate reduction at disbursement with continuous on-time payments
• .25% interest rate reduction for auto-debit
• Benefit repair option after 24 months of on-time payments

• Stafford benefits:
• Nelnet Academic Lender Code 833669
• 0% Origination Fee
• 0% Federal Default Fee
• 3.33% Principal Reduction after 30 on-time payments
• 1% Interest Rate Reduction with Automatic Withdrawal of Payments
• PLUS benefits:
• 0.25% reduction for ACH
• 3.33% Principal Reduction after 48 on-time payments
• 3% interest credit after 210 days in repayment
• Additionally, if guaranteed by College Access Network, we can waive the default fee
• See the lender for details and conditions

• Federal Stafford (lender code 809921)
• No up-front fees
• 0.25% interest rate reduction for automatic direct debit of payment;
• 1% interest rate reduction after 24 on-time payments
• Additional 1% interest rate reduction after 36 on-time payments
• Combined or separate billing for multiple loans
• Single point of customer service for the life of the loan
• Manageable PLUS loan:
• 1% interest rate reduction at the time of disbursement
• Additional 0.5% interest rate reduction for payments automatically deducted from checking or savings account
• Delayed payments, if student enrolled at least 1/2 time, for up to 4 academic years
• parent needs only to call to request (no paperwork) each year

• Stafford benefits:
• 0% Origination fee (saves 2%
• 0% Default fee (saves 1%)
• Receive a 2% account credit after making 24 payments by due dates as initially scheduled
• Receive an additional 1% account credit after making 48 payments by due dates according to that schedule
• PLUS benefits:
• 0% Default Fee (saves 1%)
• 1% account credit after making the first 12 payments by due dates as initially scheduled
• 2% account credit after making the first 36 payments by due dates according to that schedule
• Up to $500 credit towards closing costs on a Sallie Mae Home Loan Mortgage
• See the lender for details and conditions

• Stafford benefits:
• 0% Origination fee
• an immediate 2% savings
• Suntrust pays the 1% default fee for borrowers
• 3% principal reduction after 12 on time payments
• Auto debit is not required to receive this benefit
• No penalty for prepayment
• Accrued interest on unsubsidized loans is capitalized once at repayment
• Deferment and forbearance options available
• PLUS benefits:
• 1% interest rate reduction at repayment
• 0.25% interest rate reduction for automatic debit
• Delay repayment on the PLUS loan while the student is in school with SunTrust

• In addition to zero fees, once you begin repayment on a Stafford Loan from Wachovia, you can receive three big rebates equal to 3.5% of your original loan amount.
• When these rebates are combined and applied to your outstanding loan balance, your savings can increase up to 8.69% of your original loan amount over the life of the loan
• To qualify, you simply need to make consecutive, scheduled loan payments on time using auto debit from your bank acount. Start Saving Instantly!
• Zero origination fee (1.5% savings)
• Zero default fee (1% saving)
• Immediate 1% principal rebate at the start of repayment
• Another 1% principal rebate after the first 12 payments
• Extra 1.5% principal rebate after the first 24 payments

• Once you begin repayment on a Parent PLUS Loan from Wachovia, you can receive three big rebates equal to 3.5% of your original loan amount.
• When these rebates are combined and applied to your outstanding loan balance, your savings can increase up to 7.25% of your original loan amount over the life of the loan.
• To qualify, you simply need to make consecutive, scheduled loan payments on time using auto debit from your bank account. Start Saving Instantly!
• Zero default fee (1% saving)
• Immediate 1% principal rebate at the start of repayment
• Another 1% principal rebate after the first 12 payments
• Extra 1.5% principal rebate after the first 24 payments
• 1-800-338-2243
• wachovia.com/plusapp

US FINANCE
This information is subject to change, please contact the lender directly to receive current benefit information.

Stafford benefits

See the lender for details and conditions.