THE REFERRAL PROGRAM WITH SALLIE MAE. Vizo Financial Corporate Federal Credit Union April 24, 2018
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1 THE REFERRAL PROGRAM WITH SALLIE MAE Vizo Financial Corporate Federal Credit Union April 24, 2018
2 2 Agenda Highlight Trends in Funding How America Pays for College Referral Partnership Overview Suite of Loan Products Tools and Resources Program Benefits Questions
3 Market Update 3 Do you know How America Pays for College? Scholarships and grants cover over 35% of college costs 49% of families use scholarships Of those families, 87% are receiving scholarships directly from the college Students and parents are equally sharing the responsibility of paying for college Students are investing more and are covering 19% of college costs
4 4 How the Typical Family Pays for College Source: Sallie Mae How America Pays for College 2017
5 5 Sallie Mae s Approach for Paying for College Sallie Mae recommends students and families follow our approach to paying for college: 1. Maximize money that does not need to be repaid, such as scholarships and grants 2. Explore federal student loans 3. Consider a responsible private student loan
6 About our Partnership 6 Through our partnership, your members have access to free college planning tools, and choices for when it comes time to begin planning and paying for college. About Sallie Mae
7 Why Offer Private Student Loans? 7 Expand your product line Provide full life cycle solutions for your members so they have no need to turn to a competitor for student loan funding. Maximize your customer base Establish relationships with young, educated individuals who will eventually need auto loans, mortgages, and financial planning services. Implement with ease Launch a fully operational student loan program with minimal effort; we handle all origination, disbursement, servicing, credit, underwriting, and pricing, with marketing materials and templates available through our online portal. Get nationwide coverage Benefit from relationships with overall 2,400 colleges and universities; marketing tools; and customer support. Generate additional revenue Sallie Mae offers multiple solutions on and off balance sheet. Allow us to customize a solution that best fits the needs of your institution.
8 Partnership Overview 8 Referral Partnership The Credit Union acts as a referral source for the Smart Option Student Loan product, interested members can apply for a private student loan via the customized URL The Credit Union promotes the Smart Option Student Loan product and partnership through the website, campaigns and by providing product awareness to branches Sallie Mae originates, underwrites, funds, and services the loan Benefits of partnership helps members meet a critical need of funding the student s education without tapping into their retirement savings
9 9 How the Process Works Member comes to you for help Member is referred to Sallie Mae by Credit Union Loan application taken online Sallie Mae funds the loan to the school School provides certification to Sallie Mae Sallie Mae processes the credit approval
10 Suite of Products
11 Private Education Loans Available The Smart Option Student Loan 11 Student Borrower, Parent or credit worthy individual cosigner Borrow up to 100% of the school certified cost of attendance Eligible for up to 120 minutes of Study Starter Tutoring or Chegg Study No origination fee No prepayment penalty Receive a 0.25% interest rate reduction while enrolled to make scheduled monthly payments by automatic debit 3 repayment options Interest only, Fixed, or Deferred The Parent Loan Parent/Grandparent/Family Member Borrower Borrow up to 100% of the school certified cost of attendance No origination fee No prepayment penalty Receive a 0.25% interest rate reduction while enrolled to make scheduled monthly payments by automatic debit 2 repayment options Interest only or Full Principal & Interest
12 Chegg Benefit Sallie Mae continues partnership with Chegg in
13 Expanded Products for Academic Year Coming in 2018, we re excited to offer a new suite of loans created specifically for students pursuing graduate studies in various disciplines. 13 Sallie Mae MBA Loan Sallie Mae Dental Loan Sallie Mae Medical Loan Sallie Mae Health Professions Loan Sallie Mae Graduate School Loan Sallie Mae Law School Loan
14 Tools & Resources
15 15 The Support We Provide Training Event materials Customized URL Proven student-focused web content Easy online application hosted by Sallie Mae Effective print and online marketing materials Loan origination, disbursement and servicing Call center and 24/7 online service. Full reporting capabilities State of the art online servicing system Self-service online marketing portal Financial literacy tools, articles and resources
16 16 Marketing Calendar FAFSA Season -Social Media -Blog Articles -Product page link Video Award Letters -Social Media -Blog Articles -Link to analyzer tools on product page -Scholarship campaign Branch Training -Pre-peak branch staff training webinars, staff meeting -FAQs & print-ondemand materials FAFSA Season - Submit the FAFSA (fafsa.gov) October 1st Mini-Peak -Dec-Jan Banner Ad -Targeted -In-branch collateral -Social media messaging Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec School RFP Season -Proactive RFI Content to target schools -SM responds on your behalf to school requests for lender list RFPs Peak Season Marketing -Rotating Home Page Banner Ad -Online banking ad/messaging -Targeted campaign -Ad tiles throughout web site -Mobile banking promotion -Statement messaging -ATM advertising -In Branch collateral brochures, posters, teller line signs, electronic display ad Nat l Scholarship Month Approach Video -Social media
17 Marketing Portal 17 Credit Union Logo Partners can access the partner marketing portal to download or print a variety of marketing collateral, reports and other tools and materials: Collateral Online Marketing Training materials, brochures, posters, buckslips, print-on-demand product overviews and FAQs Banner ads, ad tiles, web content Communication Tools Financial Literacy Newsletter articles, social media posts, templates Approach to Paying for College Responsibly, Plus vs. Private Comparison, FAFSA Tips, etc. Reporting & Research
18 Reporting 18 Snapshot Report Weekly performance update Located on Marketing Portal
19 19 Sample Tools Available Cobranded Brochure Banner Ad and Ad Tiles Credit Union Logo
20 20 Call to Action For information and to apply for a Smart Option Student Loan Apply online using the customized URL Stress the importance of applying with a credit worthy cosigner Greater chance of approval Opportunity for the student to establish a credit history Vizo Financial contact Corporate Account Manager accountmanagers@vfccu.org
21 Thank you!
THE REFERRAL PROGRAM WITH SALLIE MAE. Vizo Financial Corporate Federal Credit Union April 26, 2018
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