Alternative Loans

• 0% origination and repayment fees!

• Rates as low as Prime minus 1.0% with a cosigner
• Prime minus 0.5% without a cosigner (for highly qualified borrowers)
  

• 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 Saturday from 8am to 5pm ET during peak season.

• 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 5.00% 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.

Edamerica Xtra Credit Loan
http://partners.edfinancial.com/
Default.aspx?alias=partners.
edfinancial.com/f002844/l831453/
xtracredit
1.800.337.1009
Lender Code:800800
Loan Servicer:EdFinancial Services

• 4% to 7% based on credit score.

• LIBOR + 5.5% to LIBOR +7.25%

• No prepayment penalty.
• Combined billing with Stafford loans.
• Life-of-loan servicing.
• Online application.
• Flexible repayment options.
• Competititive interest rates.

• Up to 25 years.
• Automatic deferment of principal and interest while in school.
• Up to 4 years additional deferment for medical internship or residency.

Education Finance Partners
www.educationfinance
partners.com
866.308.1071
Lender Code:900025
Loan Servicer:ACS

• As low as 0%.
• Fees can range from 0% - 10% based on credit score

• As low as 3 Month LIBOR +2.5%
• EFP utilizes individual pricing to better match rates to a credit rating.
• Rates can range from 3 Month LIBOR +2.5% to 3 Month LIBOR +12%

• Competitive interest rates with full loan disclosure (rate and fee) at point of approval.
• Cosigner not required. However, an applicant with no credit history may still be eligible by applying with a creditworthy cosigner.
• No income requirement.
• Minimum loan amount: None
• Annual loan limit: Borrow up to the cost of attendance less other financial aid received.
• No payment requirement while in school.
• 0.25% interest rate reduction with auto-debit.
• On line pre-approval and application, including e-signature.
• Pay for balances up to 12 months in the past.
• Cosigner release after 24 on-time payments.
• Loans not sold.

• 6 month grace period after student graduates/withdraws.
• Full deferment of principal and interest while in school.
• 0.25% interest rate reduction for automatically debited payments.
• Repayment term up to 20 years.
• No prepayment penalty.

• None

• Cosigned--As low as 3 Month LIBOR +2.49%, but may be up to 3 Month LIBOR +5.99%
• Non-cosigned--As low as 3 Month LIBOR +3.49%, but may be up to 3 Month LIBOR +6.99%

• No application, loan or processing fees.
• Minimum loan amount: $500.
• Annual loan limit: Borrow up to the cost of attendance less other financial aid received.
• Easy annual renewal process.
• Receive a quick credit decision when you apply online.
• Student must be degree seeking undergraduate or business/general graduate student enrolled at least half time.
• Both U.S. Citizens and Permanent Residents are eligible to apply. Either the applicant or co-applicant must be a U.S. Citizen.
• Cosigner not required. However, an applicant with a limited credit history or no credit history may still be eligible by applying with a creditworthy cosigner.

• Up to 20 years to repay depending on amount borrowed.
• Make no payments for up to 6 months after graduation.
• No prepayment penalty.
• Cosigner release option available after 48 consecutive on-time monthly payments.
• Deferment is available for graduate school.

• Origination: 0
• Repayment: 0 - 3% (based on credit)

• Competitive pricing that rewards creditworthiness
• One eligible borrower: LIBOR +2.5% to LIBOR +9.5%
• Two eligible borrowers: LIBOR +2.5% to LIBOR +8.5%

• No Income Requirement.
• Co-Signer release after the first 24 on-time payments.
• 24/7 on-line account management with Manage Your Loans Combined billing for borrowers with multiple Sallie Mae loans.

• A .50 percentage point interest rate reduction with auto-debit.
• Six month grace period.
• No payments while student is enrolled at least half time.