PRIVATE EDUCATIONAL LOAN PROGRAMS. Citizens Bank Student Loan. Fixed Rate or Variable Rate

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1 if nondegree: PRIVATE EDUCATIONAL LOAN PROGRAMS American Heritage Credit Union Smart Option Student editcards/studentloan.aspx wishing to use American Heritage Federal Credit Union YES, Students attending school full time, half time, or less than half time, or taking prerequisite classes. Students attending summer classes or continuing education classes. Citizens Bank Student Fixed Rate or (U.S. Citizens/ Permanent Residents) International students require credit-worthy U.S. citizen/ Permanent Resident co-signer. Citizens Bank Student for Parents Fixed Rate Parents, grandparents and other adults (credit-worthy U.S. Citizens or Permanent Residents) College Ave Student s Fixed Rate or (credit-worthy U.S. Citizens and Permanent Residents) SAP required: if less than half (UG>6crs, GR>3rs), (Less than 365 days have passed or will pass from the Enrollment Period end date to the first disbursement of the loan). Up to 180 days, up to 180 days This feature will be available beginning in 16/17 Academic Year Borrow up to 100% of your school certified cost of attendance. Cost of education minus any financial aid received annually ($1,000 min). Undergraduate Max $120,000 (includes both federal & private loans) Cost of attendance minus other aid Cost of attendance minus other aid. Minimum: $2,000 Fees: origination fee. prepayment penalty. Pay now or later: Choose an in-school repayment option that fits your needs, make interest each month, pay $25/month, or defer your until after school years of principal and interest. Cosigner release available after graduation and borrower has made 12 consecutive on time Principal & Interest. Borrower must also meet certain credit requirements percentage point reduction for auto debit enrollment. Smart Reward: 2% cash back on scheduled monthly made on time while in school w/ the Interest or Fixed Opt Free quarterly FICO Credit Score. Lower rates for graduate students. Death & Disability loan forgiveness. Visit: for important information. application, origination or disbursement fees. Choice of : Deferred, Interest-only, or Immediate Up to 15 years to repay 6 month grace period Borrowers may receive a 0.25% interest rate reduction w/ auto-debit during repayment. Co-signer release after 36 consecutive, on time. Forgiveness (student borrower death or permanent and total disability). application, origination or disbursement fees. 10 yr. term offers a 7.20 % rate w/ no fees 5 yr. term offers a 7.10% rate w/ no fees Choice of Immediate or Interest Only. A parent is not required to be the borrower. Any credit eligible sponsor interested in borrowing on behalf of the student may apply. Loyalty (0.25%) discount. ACH (0.25%) discount. origination or application fees, no penalty fees for early repayment. Choice of : Immediate Full Principal & Interest, Interest- Only, Flat Pay, Deferred. terms: 8, 10, 12 or 15 yrs. UG: 6-mo grace period. GR: 9-mo grace period 0.25% interest rate reduction for automatic Cosigner release is available pending the student meets eligibility criteria

2 College Ave Student s Parent om Parents, grandparents and other adults (credit-worthy U.S. Citizens or Permanent Residents) cuscholar Private Student loans/student/borrower/checklist (U.S. Citizens/Permanent Residents) Custom Choice by Sun Trust (U.S. Citizens/Permanent Residents) Discover Certified Private STUDENT Undergrad, Grad, MBA or Health Professions (U.S. citizens/permanent Residents) International students require cosigner w/ valid SSN &U.S. citizenship/permanent residency ihelp Private Student Undergraduate & Graduate U.S. Citizens/Permanent Residents or apply with a cosigner that meets this requirement. if non degree: SAP required: if less than half (UG>6crs, GR >3crs): Fees: Available beginning in the 16/17 Academic Year Cost of attendance minus other aid Minimum: $2,000 origination or application fees, no penalty fees for early repayment. Choice of : Immediate Full Principal & Interest, Interest-Only, or Interest Plus. Choice of terms between 5-12 years 0.25% Interest rate reduction for automatic. Up to 90 days, up to 12 months Cost of education minus any financial aid received annually ($2,000 minimum loan amount) Undergraduate Max $160,000 (includes both federal & private loans) application, origination, processing, disbursement or repayment fees. Choose either: Interest-Only Payments or a nominal $25 Proactive Payment while in school. Choose either Immediate or Interest- Only Payments while in repayment. Up to 15 years to repay including inschool and 6 month grace periods. Automatic 1% interest rate reduction once 10% of the principal balance has been repaid during repayment. 0.25% interest rate reduction with auto-debit. Co-signer release after 12 months of on time full principal and interest : borrower credit approval required. Cost of education minus financial aid received annually (min: $1,001) or $65,000 (whichever is less) Aggregate:$150,000 (includes both federal and private loans) application, origination or disbursement fees. Choice of : Deferred, Interest-Only, Partial- Interest, Immediate Choice of terms: 7, 10 or 15 years-depending on the loan balance 6 month grace period 1% principle reduction per loan at graduation. 0.25% interest rate reduction for automatic withdrawal. Additional 0.25% interest rate reduction for automatic withdrawal from a SunTrust deposit account. Cosigner release option available. Student loan protection in case of death/disability. Cost of education minus other aid (Min: $1,000) Aggregate Limit: $150,000 for UG, Grad Business, MBA & Grad Programs. Aggregate Limit: $180,000 for Health Professions. Zero fees UG 15 year repayment GR 20 year repayment Grace Period after graduation or less than half-: UG - 6 month grace period GR - 9 month grace period Honor benefits advertised for existing loans 0.025% interest rate reduction for auto debit. 1.00% cash back for Good Grades. 24/7 US Based Customer Service. Fees for life of loan. Rewards for Good Grades. Variable and Fixed Interest Rate Options: Variable as low as 3.37% Fixed as low as 6.15% Cost of education minus annual financial aid Minimum: $1,000 Aggregate UG: $100,000 GR: $150,000 Health Professions: $250,000 Zero (0%) fees. options including interest only and graduated repayment. Up to 20 years to repay. 6 month grace period 0.30%Interest Rate Reduction for loans at LIBOR+7.50% Co-signer release after 24 months of on-time 0.25% interest rate reduction with auto-debit Dedicated customer service rep for life of-loan servicing

3 Navy Federal Credit Union Private Student NJCLASS Fixed Rate NJCLASS NJCLASS Grad/ Professional Fixed rate PNC Solution U.S. Citizen/Permanent Residents Navy Federal Credit Union members Undergraduate & Graduate NJ residents -- Must file a FAFSA and cannot be in default on a student loan or owe a grant refund. Must meet minimum income & minimum credit score. UG & GR NJ residents Must file a FAFSA and cannot be in defaulted on a student loan or owe a grant refund. Must meet minimum income & minimum credit score. Graduate & Professional NJ residents -Must file a FAFSA and cannot be in default on any NJCLASS, federal or state loan. Must meet minimum income & minimum credit score. (U.S. citizens/permanent Residents) if non degree: SAP required: if less than half (UG>6crs, GR>3crs): Fees:, as long as they were at least ½ time during the academic year., as long as they were at least ½ time during the academic year., as long as they were at least ½ time during the academic year. Up to 90 days Up to 12 months Up to 12 months Up to 12 months Up to 60 days Cost of education minus any financial aid received annually ($2,000 minimum loan amount) Undergraduate Max $120,000 (includes both federal & private loans) application, origination, processing, disbursement or repayment fees. Choose either Interest-Only Payments or a nominal $25 Proactive Payment while in school. Up to 15 years to repay including inschool and 6-month grace periods. 0.25% interest rate reduction with auto-debit. Co-signer release after 12 months of on time full principal and interest : borrower credit approval required. Cost of education minus financial aid annually (min: $500), no max. aggregate limit. Cost of education minus financial aid annually (min: $500), no max. aggregate limit. Cost of education minus financial aid annually (min: $500), no max. aggregate limit. 3% Administrative Fee 3% Administrative Fee 3% Administrative Fee $50 minimum payment. Up to 20 years to repay. Immediate Principal and Interest, Interest Only and Full Deferment Options Available. Steps up after 13 th payment reduces interest rate for first 48, then increases 0.75% $50 minimum payment. Up to 20 years to repay. Immediate Principal and Interest, Interest Only and Full Deferment Options Available. $50 minimum payment. Up to 25 years to repay employment required. income required. Annual loan min: $1,000 Annual loan limits: UG: $40,000 GR: $65,000 Aggregate loan limit: $225,000 origination fee, no prepayment penalty Immediate, Interest-only, or Full Deferral. Deferment/ Forbearance options available. Minimum payment $25 Up to 15 years to repay 6 months grace period. 0.50% interest rate reduction for auto-debit. Co-signer release option after 48 on time. Forgiveness upon death of student borrower. Second Look Process: Borrowers may call PNC to request a review if initially denied. -Repay Ready: self-service tool assisting in organization of federal and private loans and repayment options.

4 if non degree: PNC Solution for Health Profession Students Undergrad & Graduate students (U.S. citizens/permanent Res) in approved health prof program Degree or certificate must be in health professions Sallie Mae Smart Option Student Fixed & s Students attending school full time, half time, or less than half time, or taking prerequisite classes Students attending summer classes or continuing education classes Sallie Mae Parent Fixed & s Parent or other eligible non-student individual, may borrow to assist undergrad and grad students attending school full time, half time, or less than half time or taking prerequisite classes Attending summer classes, continuing education classes, or an eligible study abroad program StuFund Smart Option Student d, Students attending school full time, halftime, or less than half time, or taking prerequisite classes Students attending summer classes or continuing education classes SAP required:. (As long as the loan is certified). (As long as the loan is certified) if less than half (UG.>6crs, GR>3crs): Up to 60 days Annual loan min:$1,000 Annual loan limits: UG: $40,000 GR: $65,000 Aggregate loan limit: $225,000, Less than 365 days have passed or will pass from the Enrollment Period end date to the first disbursement of the loan Borrow up to 100% of your school certified cost of attendance, Individuals may borrow to assist undergrad and grad students who are attending school full time, half time, or less than half time, Less than 365 days have passed or will pass from the Enrollment Period end date to the first disbursement of the loan Borrow up to 100% of the school certified cost of attendance, Less than 365 days have passed or will pass from the Enrollment Period end date to the first disbursement of the loan Borrow up to 100% of your school certified cost of attendance Fees: origination fee, no prepayment penalty origination fee. prepayment penalty. origination fee. prepayment penalty. origination fee. prepayment penalty. Immediate, Interest-only, or Full Deferral Deferment/Forbearance options available Minimum payment $25, Up to 15 years to repay, 6 months grace period 0.50% interest rate reduction for auto-debit Co-signer release option after 48 on time Forgiveness upon death of student borrower Second Look Process: Borrowers may call PNC to request a review if initially denied Repay Ready: self-service tool assisting in organization of federal and private loans and repayment options Pay now or later: Choose an in-school repayment option that fits your need, make interest each month, pay $25/month or defer your until after school 5-15 years of principal and interest Cosigner release available after grad and borrower has made 12 consecutive on time Principal & Interest. Borrower must also meet certain credit requirements 0.25% point reduction for auto debit Smart Reward:2% cash back on scheduled made on time while in school w/ the Interest or Fixed Options Free quarterly FICO Credit Score Lower rates for graduate students Death & Disability loan forgiveness Please visit SallieMae.com/Terms/SOSL for important information Monthly interest while enrolled for up to 48mo., followed by principal & interest Monthly principal & interest while student is enrolled & through the life of the loan 10yrs. principal & int percentage point reduction for auto debit enrollment Free quarterly FICO Credit Score Death & Disability loan forgiveness Available to pay for education expenses of both undergraduate and graduate students Please visit: SallieMae.com/Terms/Parent/ for important information Pay now or later: Choose an in-school repayment option that fits your need: make interest each month, pay $25/month, or defer your until after school 5-15 years of principal & interest Cosigner release available after grad and borrower has made 12 consecutive on time Principal & Interest. Borrower must also meet certain credit req. 0.25% point reduction for auto debit Smart Reward: 2% cash back on scheduled monthly made on time while in school w/ the Interest or Fixed Options Free quarterly FICO Credit Score Lower rates for graduate students Death & Disability loan forgiveness Please visit SallieMae.com/Terms/SOSL for important information

5 Thrivent Federal Credit Union Variable & Fixed Rates personal/student-solutions/ U.S. Citizen or Permanent Resident U-Fi Student s Variable & Fixed Rates Undergraduate, Graduate, MBA, Law & Health Professions International students may apply with a U.S. Citizen or Permanent Resident cosigner Union Federal Undergrad & Graduate Private Student International students may apply with a US Citizen or Permanent Resident cosigner Wells Fargo Collegiate Undergraduate students if non-degree:, Also covers certificate programs SAP required: if less than half (UG>6crs, GR>3crs):, up to 90 days Cost of education minus annual fin aid received Minimum: $1,000 Aggregate: $80,000 Cost of attendance less any financial aid: ($1,000 minimum) Maximum Aggregate Amounts: UG: $125,000, GR: $150,000, MBA: $175,000 Annual Amt. (min: $1,001): Certified Amount or $65,000 (whichever is less). Aggregate Limit: $150,000 inclusive of all education debt Cost of education minus any financial aid received annually (min:$1,000) Aggregate limit: $120,000 Fees: origination and repayment fees. fees fees fees Choice of : Full Deferment, Immediate, Interest Only, Partial $25/mo. payment while in school Up to 15 years to repay 0.25% rate reduction with ACH Co-signer release after 24 consecutive, subject to credit approval Co-signer release in case of death of the borrower Options: Immediate, Interest-Only or Deferred 5, 10, or 15 year repayment terms forgiveness in the event of death or permanent disability of the student 0.25% interest rate reduction for automatically withdrawn Up to 1.5% cash back for good grades Cosigner Release after 24 consecutive, ontime Death & Disability discharge for both borrower and cosigner Options: Full Deferment, Interest Only, Partial Interest Only ($25/month) and Immediate Choose: 7, 10 or 15 year repayment (15 years is only available for loan amounts of $5,000 or more) Cosigner release after the first 36 consecutive Up to 0.50% rate reduction with ACH 0.25% rate reduction after 36 on-time 1% principal reduction per loan at graduation Student loan protection in case of death/disability Up to 15 years to repay forgiveness in the event of death or permanent disability of the student Co-signer release after the first 24 on-time monthly and the borrower meets a full credit evaluation at the time of request Up to 0.50% interest rate reduction with qualifying Wells Fargo relationship at the time of application, including a prior Wells Fargo Student. During promotional periods, increased discounts may apply Plus 0.25% interest rate reduction w/automatic electronic

6 if non-degree: Wells Fargo Graduate Graduate students Wells Fargo MedCAP Alternative for Health Professionals Graduate students Must be in a medical/health-related program SAP required: if less than half (UG>6crs, GR>3crss): Cost of education minus any financial aid received annually (min:$1,000) Aggregate limit: $180,000 for Law & Business; $120,000 for other graduate disciplines Cost of education minus any financial aid received annually (min:$1,000) Aggregate limit: $120,000-$250,000 depending on discipline Fees: fees fees Up to 15 years to repay forgiveness in the event of death or permanent disability of the student Co-signer release after the first 24 ontime monthly and the borrower meets a full credit evaluation at the time of request Up to 0.50% interest rate reduction with qualifying Wells Fargo relationship at the time of application, including a prior Wells Fargo Student. During promotional periods, increased discounts may apply Plus 0.25% interest rate reduction w/automatic electronic years to repay depending on discipline. 6 month grace period. forgiveness in the event of death or permanent disability of the student. Co-signer release after the first 24 on-time monthly and the borrower meets a full credit evaluation at the time of request Up to 0.50% interest rate reduction with qualifying Wells Fargo relationship at the time of application, including a prior Wells Fargo Student. During promotional periods, increased discounts may apply Plus 0.25% interest rate reduction w/automatic electronic. The loan programs displayed here are for informational purposes only; you are free to choose any lender you wish. This loan information is subject to change. Please refer to the lender s web site for the most up to date information. OTHER FINANCING OPTIONS: Applicants who meet Private Educational income, employment, and credit requirements may consider adding a credit-worthy co-signer to secure a better interest rate. The Federal PLUS is a loan that allows parents to borrow the difference between the cost of education and any financial aid received by their undergraduate student. PLUS are available through Direct Lending. For some families, borrowing a low-interest home-equity loan is a convenient way to help to finance their child s education. Generally, interest paid on these loans is tax deductible. The Business Office offers a deferred tuition payment plan to aid in budgeting tuition. You can contact them at for additional information. Many pension plans allow the holder to borrow against the value of their pension at low interest rates. Many whole life insurance policies allow the policyholder to borrow against the cash value of the policy at low interest rates.