Alternative Loans

• 0% origination and repayment fees!

• Rates as low as LIBOR (0.30%) plus 3.70% up to LIBOR (0.30%) plus 8.00% with a cosigner.
• LIBOR (0.30%) plus 9.00% without a cosigner. 

• Can be used to cover past due balances up to 12-months prior to date of application.
• On line pre-approval and application, including e-signature.
• Loans are originated and serviced internally by Chase.
• All Chase-serviced loans, including private loans, are combined into a single bill
• Cosigner release option.
• Loans are not sold.
• Extended customer service hours Mon-Fri 8am-11pm, Sat. 8am-8pm, Sun. 9am-5pm ET.

• 0.25% interest rate reduction for borrowers who elect to have their monthly payments automatically deducted from a bank account.
• The interest rate reduction will not lower the monthly payment amount but will reduce the interest that accrues, thereby reducing the total amount repaid.
• This interest rate reduction will begin when the borrower enrolls for and begins having payments automatically deducted by Chase and will remain in effect as long as automatic payments continue without interruption.
• Choice of repayment options.

• 0% Origination and Repayment Fees.

• No payment required while in school.
• Minimum Loan Amount: $1,000 on first CitiAssist Loan, no minimums for subsequent CitiAssist Loans.
• Maximum: Cost of Attendance less Financial Aid.
• 0.25% interest rate reduction with auto-debit.
• Co-signer release option is available.
• Can be enrolled less than half-time,half-time,or full-time.
• Available for non-matriculated students

• 6 month grace period after student graduates/withdraws.
• Repayment term up to 20 years.
• Deferrment and Forbearance Options Available.

Citizens Bank TruFit Student Loan 
http://www.citizensbank.com/trufitstudentloan 
800.708.6684
Lender Code: 700700 

• Origination Fees: 0%
• Repayment Fees: 0%

• Choice of FIXED or VARIABLE rate
• FIXED rates as low as 6.75% to 12.25%
• VARIABLE rates as low as 1-Month LIBOR plus 2.70% to 1-Month LIBOR (.19% plus 9.25% with a co-signer

• 0.50% interest rate reduction for automating payments from any eligible Citizens Bank account and .25% reduction for borrowers who elect to have monthly loan payments deducted electronically from any eligible account.
• Co-signer release available after 36 consecutive on time payments
• Borrowers can apply up to 180 days after the end of their enrollment period if they are currently enrolled or have recently graduated.
• Available to undergraduate and graduate students enrolled at least 1/2 time.
• International students and permanent residence eligible with credit worthy U.S. co-signer
• Easy on-line application, e-signature

• Choice of Repayment: Deferred, Interest only, Immediate
• 6 month grace period available
• 15 year repayment term
• Deferment and Forbearance options available
• Combined billing for multiple TruFit loans

• 0% Origination Fee, 0% Repayment Fee.

• 2% Graduation Reward (2% Cash reward on the outstanding principal balance at graduation).
• Can be used to cover past due balance up to 6 months prior.
• .25% Auto Debit Reward (.25% interest rate reduction when payments are set up for auto debit from a bank account).
• Annual Loan limit is Cost of Attendance minus other aid.
• No minimum income requirement.
• Online application, 24/7 online account management.

• No payments due until 6 months (9 for graduate) after graduation or enrollment in school is less than half-time.
• Flexible repayment options, forbearance option available.
• Repayment up to 15 years.
• Unlimited deferment time.

PNC Bank
http://www.pnconcampus.com
1.800.762-1001
Lender Code:809921
Loan Servicer:American Education Services (AES)

• Origination Fees: 0% depending on credit score.
• Repayment Fees: 0%

• 3 month average of the 1 month LIBOR + 3.51% to 11.21% depending on credit score.

• On-line pre-approval and application, including e-signature.
• Co-signer release option after 48 on-time payments, and the student borrower can pass a creditworthiness test.
• No payments required when in-school at least half-time.
• Can be enrolled, full time or half-time.

• 0.50% interest rate reduction for borrowers who elect to have their payments automatically deducted from any checking or savings account.
• 6 month grace period after a student graduates, withdraws, or drops below a half time status.
• Repayment terms up to 15 years.
• Payment may be as low as $25.00 a month.

• 0% origination and repayment fees!

• Three choices of rates: If selecting to make interest payments while in school:
• LIBOR +2% - 8.875% No fee
• If selecting to make a fixed $25 per month payment while in school:
• LIBOR +2.5% - 9.375% No fee
• If selecting to defer payments until 6 months after graduation/separation from school:
• LIBOR +3% - 9.875% No fee

• Competitive interest rates - 2.25% APR to 9.37% APR
• No origination fees and no prepayment penalty
• Pay now or later - defer your payments until after graduation or choose an in-school repayment option that fits your needs
• Get a 2% Smart Reward in your Upromise account when you make scheduled monthly payments on time while in school (Not available with the Deferred Repayment Option)
• New Tuition Insurance Benefit - covers up to $5,000 of tuition lost due to a covered medical withdrawal (Available with loans that first disbursed July 1 - Oct. 31. 2011)
• Earn a 0.25% point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit.
• Borrow up to 100% of your school certified education costs (minimum $1,000)
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate
• You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments
• Can be enrolled less than half-time, half-time, or full-time
• Visit SallieMae.com/terms/sosl for important information.  Terms, conditions and limitations apply.

• Generally 5-15 years
• Borrowers can save more than 20% in finance charges compared with traditional deferred payment private loans

• 0.00% Origination and Repayment Fees

• No payments during school
• Automatic payment discount* - 0.25% interest rate reduction when Wells Fargo automatically withdraws payments from a personal checking or savings account.
• Wells Fargo Student Graduation Benefit ^SM*- 0.25% interest rate reduction after we verify graduation.
• Relationship discount* - Up to 0.50% interest rate reduction for Wells Fargo customers.
• *Click Here for student loan disclosures.

• One place for all your financial needs.
• With Wells Fargo, you'll get high quality service throughout your borrowing experience.
• Call our student loan specialists from 7:00 am to 10:00 pm Central Time for personal service on your student loan.