Alternative Loans are offered by private lending institutions and are not guaranteed by the federal government. These funds are available to credit and non-credit students who may not be eligible for federal financial aid or who may need to bridge the gap between the actual cost of education and their federal financial aid. The lender will interpret credit history and other determining factors to see if the student is eligible. This list describes alternative educational loans, offered by private lending institutions.

When you have decided on a lender, click on the lender name to proceed to the next step.

• 0% origination fee
• 0% repayment fee
• Low, competitive interest rates: LIBOR + 2.25% - 6.75%
• .50% interest rate reduction for qualified borrowers who make 48 initial, on-time payments
• Satisfactory Academic Progress not a requirement
• Less than ½time enrolled students can apply
• This loan can be used to pay prior balances up to 36 months
• No payments required until 6 months after graduation
• Repayment terms up to 25 years
• Co-borrower release available to qualified borrowers who make 48 initial, on-time payments
• Life of Loan servicing with Nelnet

Borrower benefit info valid as of October 22, 2008

• Zero disbursement and repayment fees – save money up front and over the long term
• 0.50 percentage point interest rate reduction for automatic debit¹
• No minimum income requirement and no payments required while in school and during 6–month grace period²
• Applying with a creditworthy cosigner may help applicants qualify
• Cosigner release option available after the first 24 consecutive on–time payments of principal and interest³
• Unwavering commitment and stability for more than 35 years–we have helped over 21 million students realize their dream of a higher education
• Easily manage payments for multiple Sallie Mae–serviced student loans on one bill with combined billing
• Sallie Mae offers products and services that support positive repayment habits
• Join Upromise^® at www.upromise.com and use the rewards you earn on your everyday purchases to help automatically pay down your eligible Sallie Mae–serviced loans with Upromise Loan Link^SM 4

¹The Signature Student Loan automatic–debit benefit applies to loans made in connection with attendance at a four–year, Title–IV eligible, not for profit college or university. The automatic–debit benefit is available during active repayment for as long as the borrower's monthly payment is deducted from the borrower's bank account.
²Deferring payment while in school will increase the overall loan costs. Unpaid interest that accrues while you are in school will be capitalized (added to your loan amount) at repayment.
³Creditworthy borrowers may request a cosigner release after making the first 24 scheduled, on–time payments of principal and interest. Borrower's account must remain current until the request for release is processed. Borrower credit qualification applies. Borrower must be a U.S. citizen or permanent resident at the time the cosigner release request is processed.
⁴To view whether or not a student loan is eligible to participate in the Upromise Loan Link program, please visit www.upromise.com/loanlink. Access to Upromise is not limited to Sallie Mae loan customers.

Visit www.salliemae.com/SignatureTerms for additional information.

Borrower benefit info valid as of October 22, 2008

• Zero disbursement and repayment fees – save money up front and over the long term
• 0.50 percentage point interest rate reduction for automatic debit1
• No minimum income requirement and no payments required while in school and during 6-month grace period2
• Applying with a creditworthy cosigner may help applicants qualify
• Cosigner release option available after the first 24 consecutive on-time payments of principal and interest3
• Unwavering commitment and stability for more than 35 years—we have helped over 21 million students realize their dream of a higher education
• Easily manage payments for multiple Sallie Mae-serviced student loans on one bill with combined billing
• Sallie Mae offers products and services that support positive repayment habits
• Join Upromise® at www.upromise.com and use the rewards you earn on your everyday purchases to help automatically pay down your eligible Sallie Mae-serviced loans with Upromise Loan LinkSM 4

1The Signature Student Loan automatic-debit benefit applies to loans made in connection with attendance at a four-year, Title-IV eligible, not for profit college or university. The automatic-debit benefit is available during active repayment for as long as the borrower's monthly payment is deducted from the borrower's bank account.

2Deferring payment while in school will increase the overall loan costs. Unpaid interest that accrues while you are in school will be capitalized (added to your loan amount) at repayment.

3Creditworthy borrowers may request a cosigner release after making the first 24 scheduled, on-time payments of principal and interest. Borrower's account must remain current until the request for release is processed. Borrower credit qualification applies. Borrower must be a U.S. citizen or permanent resident at the time the cosigner release request is processed.

4To view whether or not a student loan is eligible to participate in the Upromise Loan Link program, please visit www.upromise.com/loanlink. Access to Upromise is not limited to Sallie Mae loan customers.

Visit www.salliemae.com/SignatureTerms for additional information.

• Exclusive SunTrust Graduation Reward - $300 Principal Reduction per loan at graduation (Get one Academic Answer Loan each year for four years and receive a $1,200 principal reduction with proof of graduation!)*
• 0.25% interest rate reduction for automatic payment withdrawals.**
• No upfront fees.***
• Rates as low as the one-month LIBOR + 2.50%.
• Borrow up to the cost of your education minus other financial aid received.
• Cosigner can be released after 48 consecutive on-time payments.††
• Flexible payment options
  • Defer the principal and interest while in school and six months afterwards.
  • Pay interest only and defer the principal while in school.
  • Begin paying immediately.
• Generous repayment terms are available.
• Satisfactory Academic Progress is not required

* $300 principal reduction is applied to unpaid principal balance when proof of graduation is received. If outstanding balance is less than $300, balance will be reduced to $0

** The 0.25% rate reduction is available to borrowers who arrange to automatically deduct monthly payments from their bank account.

*** A repayment fee may apply based on credit history. † LIBOR stands for London Interbank Offered Rate. The one-month LIBOR is the Current Index, as published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). Your variable interest rate and Annual Percentage Rate (APR) may be higher depending upon your credit history and will increase or decrease if the one-month LIBOR index changes. Your variable interest rate is calculated by adding the current one-month LIBOR index (captured on the 25th business day of each month and rounded up to the nearest 1/8th of one percent) to your margin. The current one-month LIBOR index was 5.5025% on 8/25/07. This APR example assumes a $6,500 loan disbursed over two transactions with a deferment period of 48 months upon initial disbursement and a six month grace period upon graduation, a 20 year repayment term with no repayment fees, and a 2.50% margin. Margins can range from 2.5% to 8.00% and repayment fees can range from 0% to 4% both depending upon your or your cosigner's credit history.

†† Borrowers must meet credit guidelines at the time the cosigner release is requested.

Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue these programs without notice. All loan programs may not be available in certain jurisdictions.