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

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1 PRIVATE EDUCATIONAL LOAN PROGRAMS American Heritage CU Student Help Smart Option Student who are Credit union members Citizens Bank Student Fixed Rate or Variable Rate (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 Variable Rate (credit-worthy U.S. Citizens and Permanent Residents) if nondegree: Yes No No No SAP required: No No No Yes if less than half (UG>6crs, GR>3rs) Yes No No Yes, (Less than 365 days have passed or will pass from the Enrollment Period end date to the first disbursement of the loan). Yes, up to 180 days Yes, up to 180 days Student must be enrolled at least half time at a degree-granting institution for Undergraduate. For the Graduate they may be less than half time. College Ave loans can be utilized for past due balances resulting from the last major term of attendance, as defined by the school. 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 Maximum: $8,000 Fees: No origination fee. No prepayment penalty. Choose the repayment option that is best for you: Deferred, Fixed, or Interest. term ranges from 5-15 years. The term varies based on the loan amount and year in school. 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. Free quarterly FICO Credit Score. Lower rates for graduate students. Death & Disability loan forgiveness. Jump-start your studies with Study Starter new for 2017! Choose up to 120 free minutes of live, online help from Chegg Tutors or free access to Chegg Study with guided Textbook Solutions. Visit: for important information. No application, origination or disbursement fees. Choice of : Deferred, Interestonly, or Immediate Borrowers may receive a 0.25% interest rate reduction w/auto debit during repayment. Borrowers may receive a 0.25% interest rate reduction for being an existing Citizens Bank customer. Co-signer release after 36 consecutive, on time. Forgiveness (student borrower death or permanent and total disability). No application, origination or disbursement fees. 10 yr. term offers a 7.24 % rate w/ no fee 5 yr. term offers a 7.14% 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. No 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% auto-pay interest rate reduction for monthly automatically debited from a designated, valid bank account. In addition, a borrower who qualifies will receive the benefit even if enrolled and in a deferred payment status, reducing the amount of accrued interest and total loan cost. Cosigner release is available pending the student meets eligibility criteria Death & Disability loan forgiveness

2 College Ave Student s Parent om Parents, grandparents and other adults (credit-worthy U.S. Citizens or Permanent Residents) cuscholar Private Student Variable Rate 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 Variable Rate Undergraduate & Graduate, MBA, Or Health Professions students U.S. Citizens/Permanent if non degree: No No No No No SAP required: Yes Yes No Yes Yes if less than half (UG>6crs, GR >3crs): For the Parent for Graduate Students they may be less than half time. College Ave loans can be utilized for past due balances resulting from the last major term of attendance, as defined by the school. Cost of attendance minus other aid Minimum: $2,000 Maximum: $8,000 No No No No Up to 90 days Yes No Yes, up to 120 days Cost of education minus any financial aid received annually ($2,000 minimum loan amount) Undergraduate Max $120,000 (includes both federal & private loans) 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) 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. Cost of education minus annual financial aid Minimum: $1,000 Aggregate UG: $100,000 GR: $150,000 Health Professions: $250,000 Fees: No 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% auto-pay interest rate reduction. The benefit will be applied when a borrower is in good standing and elects to have monthly automatically debited from a designated, valid bank account. In addition, a borrower who qualifies, based upon the above, will receive the benefit even if enrolled and in a deferred payment status, reducing the amount of accrued interest and total loan cost. No 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 10 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 24 months of on time full principal and interest : borrower credit approval required. No 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 (For Deferred loan) In School Refinance Option Refinance existing private student loans into a new academic year SunTrust private student loan. 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. 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. No 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% Zero (0%) fees. options including full principal and interest, interest only and graduated repayment. Up to 20 years to repay. 0.30% Interest Rate Reduction for loans at the highest interest rate Co-signer release after 24 months of on-time Dedicated customer service rep for life of-loan servicing

3 Navy Federal Credit Union Private Student Variable Rate U.S. Citizen/Permanent Residents Navy Federal Credit Union members NJCLASS Fixed Rate 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. NJCLASS Grad/ Professional Fixed rate 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. PNC Solution Undergraduate & Graduate students (U.S. citizens/permanent Residents) if non degree: No No No No PNC Solution for Health Profession Students Undergrad & Graduate students (U.S. citizens/permanent Res) in approved health prof program. Please visit for a complete list of eligible Health Professions. Degree or certificate must be in health professions SAP required: Yes Yes Yes No No if less than half (UG>6crs, GR>3crs): Fees: No Yes, (for summer term only, as long as they were at least ½ time during the academic year). Yes, (for summer term only, 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 60 days Up to 60 days Cost of education minus any financial aid received annually ($2,000 minimum loan amount) UG Max $120,000 (includes both federal & private loans) No appl., origination, processing, disbursement or repayment fees. Choose either Interest-Only Payments or a nominal $25 Proactive Payment while in school. Up to 10 years to repay including inschool and 6-month grace periods. Cost of education minus financial aid annually (min: $500), no max. No aggregate limit. Cost of education minus financial aid annually (min: $500), no max. No aggregate limit. No Annual loan min: $1,000 Annual loan limits: UG: $40,000 GR: $65,000 Aggregate loan limit: $225,000 3% Administrative Fee 3% Administrative Fee No origination fee, no prepayment penalty $50 minimum payment. $50 minimum payment. Immediate, Interest-only, or Up to 20 years to repay. Up to 25 years to repay Full Deferral. Deferment/Forbearance Immediate Principal and options available. Immediate Principal and Interest, Interest, Interest Only and Full Minimum payment $25 Interest Only and Full Deferment Deferment Options Options Available. Available. 6 months grace period. No Annual loan min:$1,000 Annual loan limits: UG: $40,000 GR: $65,000 Aggregate loan limit: $225,000 No 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 0.25% interest rate reduction with auto-debit. Co-signer release after 24 months of on time full principal and interest : borrower credit approval required. Fully Deferred s: Reduced interest rate for the first 12 then increases 0.75%, Immediate or Interest Only, or Reduced interest rate for first 48, then increases 0.75%. No employment required. No income required. 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 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: Sallie Mae Health Professions Graduate and Sallie Mae M.B.A. Fixed & Variable Rates Students enrolling in: Master s/doctorate level professions degree programs M.B.A. students GR certificate/continuing education coursework is not eligible. Non-U.S. citizen students, including DACA students, are eligible to apply with a creditworthy cosigner who is a U.S. citizen or permanent resident. Sallie Mae Smart Option Student Fixed & Variable Rates (U.S. citizens or permanent residents) (MBA and grad Health Professions see your loan program details) Yes, Students can be enrolled in any program. (Includes summer classes or continuing education classes) Non-U.S. citizen borrowers (including DACA students) applying with a creditworthy U.S. citizen or permanent resident cosigner. Sallie Mae Parent Fixed & Variable Rates Parents, family members, or other creditworthy individuals that are U.S. citizens or permanent residents. Yes, may borrow to assist undergrad and graduate students taking courses that do not qualify for federal student loans. Attending summer classes, continuing education classes, or an eligible study abroad program. StuFund Smart Option Student SAP required: No (As long as the loan is certified) No. (As long as the loan is certified) No. (As long as the loan is certified) No if less than half (UG.>6crs, GR>3crs): Fees: Yes, loans are available to graduate health professions and MBA students enrolled FT, HT, and LTHT Yes, Covers existing balance for an enrollment period within the past 365 days. Borrow up to 100% of graduate health professions school costs or up to 100% of MBA school costs. No origination fee and no prepayment penalty. Pay now or later: choose an in-school repayment option that fits your needs or defer your until after school: Make interest each month, Pay $25 per month, Defer, 6 month grace period, or 5-15 years of P&I 100% U.S.-based customer service A residency or internship deferment is available to students in 12-month increments: limited to a total of 60 months. Graduated Period budget flexibility for graduating students. 0.25% point reduction for auto debit Please visit SallieMae.com/GradTerms Yes, Students attending school full time, half time, or less than half time, or taking prerequisite classes. Yes, 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. Requested minimum loan amount of $1,000. Yes, Individuals may borrow to assist undergrad and graduate students who are attending school full time, half time, or less than half time. Yes, 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. Requested minimum loan amount of $1,000 Yes Yes Yes, ( 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. No origination fee. No prepayment penalty. No origination fee. No prepayment penalty. No origination fee. No prepayment penalty. Pay now or later: Choose an in-school repayment option that fits your needs or defer your until after school. Undergraduates electing to make monthly interest while in school will receive an interest rate that is 1% point lower than those who defer. 6-mo grace period 5-15 years of principal and interest. Borrowers may apply to release their cosigner after they graduate, make 12 on-time principal and interest, and meet certain credit requirements. 0.25% point reduction for auto debit. 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. 100% US-based customer service 0.25 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 Choose the repayment option that s best for you: Deferred, Fixed, or Interest. term ranges from 5-15 years. The term varies based on loan amount and year in school. Cosigner release available after graduation and borrower has made 12 consecutive on time Principal & Interest. Borrower must also meet certain credit requirements. 0.25% point interest rate reduction for auto debit enrollment. Free quarterly FICO Credit Score. Lower rates for graduate students. Death & Disability loan forgiveness. Visit: for important information.

5 Sun Trust Federal Credit Union e.org/ Thrivent Federal Credit Union Variable & Fixed Rates personal/student-solutions/ U-Fi, provided by Discover Student s Union Federal Undergrad & Graduate Private Student Undergraduate U.S. Citizens or Permanent Residents U.S. Citizen or Permanent Resident Undergraduate, Graduate, MBA, and Health Professions International students require a creditworthy cosigner who is a US Citizen or Permanent Resident International students may apply with a US Citizen or Permanent Resident cosigner if non-degree: No No No No SAP required: Yes Yes Yes No if less than half (UG>6crs, GR>3crs): Yes, but only during summer term No No No No Yes, up to 90 days No Yes Cost of education minus any financial aid received annually (min: $1,000) Aggregate over course of undergrad $75,000 Cost of education minus annual fin aid received Minimum: $1,000 Aggregate: $80,000 Cost of attendance minus other aid:: ($1,000 minimum) Aggregate Limits Apply Annual Amt. (min: $1,001): Certified Amount or $65,000 (whichever is less). Aggregate Limit: $150,000 inclusive of all education debt Fees: No fees No origination and repayment fees. Zero fees No fees 20-year repayment for principal balances $40,000 or less; 25 years if principal balance over $40,000 Student may elect full deferral, interestonly or full principal and interest while in school Choice of : Full Deferment, Immediate, Interest Only, Partial $25/mo. payment while in school Terms: 15 years Undergraduate 20 years Graduate, MBA, and Health Professions Grace Period after graduation or less than halftime enrollment: 6 month grace period Undergraduate 9 month grace period Graduate, MBA, and Health Professions 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) (For Full Deferment) Line of credit loan allows students to complete the full application once - then if they pass annual credit review, they simply request a draw on their account for next academic year. Once they graduate, they only have one loan instead of several. Co-signer release after 48 consecutive ontime monthly and the borrower meets a full credit evaluating at the time of request. 0.25% interest rate reduction w/automatic electronic. 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 Cash Reward for Good Grades- Students who earn at least a 3.0 GPA (or equivalent) get a one-time cash reward of 1% of the loan amount of each new student loan. Reward redemption period is limited. Auto Debit Reward Borrowers receive a 0.25% interest rate reduction by having automatically deducted from a bank account once they enter repayment. Zero Fees No loan application fees, no origination fees and no late fees. In School Refinance Option Refinance existing private student loans into a new academic year Union Federal private student loan. 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

6 Wells Fargo Collegiate geready Wells Fargo Graduate eady Wells Fargo MedCAP Alternative for Health Professionals dy Undergraduate students Graduate students Graduate students if non-degree: No No Must be in a medical/health-related program SAP required: No Yes Yes if less than half (UG>6crs, GR>3crss): Yes Yes Yes Yes Yes Yes Cost of education minus any financial aid received annually (min:$1,000) Aggregate limit: $120,000 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: No fees No fees No fees 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 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 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 creditworthy 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.