Alternative Loans

• 0% origination and repayment fees!

• Rates as low as LIBOR plus 4.15% with a cosigner
• LIBOR plus 9.50% without a cosigner

• Can be used to cover past due balances.
• 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.

• 0.00% to 6.00% based on credit score.

• 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.
• 0.50% interest rate reduction after 48 consecutive monthly on-time payments.
• Co-signer release option is available.
• Can be enrolled less than half-time,half-time,or full-time.
• Pay for balances up to 12 months in the past.

• 6 month grace period after student graduates/withdraws.
• Repayment term up to 20 years.
• Combined billing with Citibank Stafford Loans.

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

• Origination Fees: 0-6% depending on credit score.
• Repayment Fees: 0%

• 3 month average LIBOR plus 4.00%-10.75% 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, half-time and less than half time.

• 0.25% 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 20 years.
• Payment may be as low as $25.00 a month.

• Origination: 0%
• Repayment: 0% at repayment

• Competitive pricing that rewards creditworthiness
• One eligible borrower: LIBOR +5.75% to LIBOR +11.75%
• Two eligible borrowers: LIBOR +5.75% to LIBOR +10.50%

• Pricing that rewards good credit.
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate.
• The borrower may apply for cosigner release after successful completion of their education.
• A 0.25% point interest rate reduction is available for automatic debit.
• A 0.25% point interest rate reduction is available if the borrower provides a valid e-mail address and elects to receive all servicing communications via e-mail.
• Available for U.S. citizens in study abroad programs and U.S. citizens studying at medical schools outside the U.S.

• Pay a little now, save a lot later-students graduate with less debt with the Sallie Mae Smart Option Student Loan which features interest-only payments while the borrower is in school to avoid capitalized interest.
• Combined billing is available for Sallie Mae-serviced student loans.