Bank of America
(800)344-8382
www.bankofamerica.com

• Up to a 3% reduction of your current outstanding principal balance for making consecutive on-time payments during your first 36 months of repayment (1% reduction of your current outstanding principal balance after you make on-time payments 1-12, 13-24 and 25-36).*
• Auto debit is not required to obtain principal reduction. 0.25% interest rate reduction with auto debit from checking or savings account.**
• On-line approval through www.ecmc.org; Parents may also be eligible for a no-payment forbearance or pay interest only for up to 48 months while student is enrolled at least half-time.
• Required Footnotes - *Each set of 12 payments during the first 36 months of repayment is treated independently for the purposes of awarding benefits. If you fail to make the first 12 payments or the second 12 payments on time, you can still qualify for the next 1% outstanding principal reduction if you make the next 12 payments on time. 15 day grace period. **Interest rate will never be lower than 0%.
• Loan Policy Regarding Selling Loans 2007: Your loans are sold to Sallie Mae, you retain your borrower benefits.

Loan Policy Regarding Selling Loans 2007: Your loans are sold to Sallie Mae, you retain your borrower benefits.

Citibank
(800)967-2400
www.studentloan.com

• Save 1.00% up-front with Zero Federal Default Fees
• Save up to 6.00% on your principal loan balance with Citibank’s ZERO payments your last 6 months when all payments are made on time
• Automatic 0.75% interest rate reduction at repayment
• Additional 0.50% interest rate reduction when you sign up for E-Z Pay auto debit and receive electronic statements only
• Defer payments while your child is in school for up to 48 months
• Interest Only payment option
• New! Benefit Recovery Feature: Unlimited chances to earn back your automatic interest rate reduction if lost as a result of late payments
• Online Services including the ability to access your account, and pay online at www.studentloan.com

Loan Policy Regarding Selling Loans 2007: Our policy is not to sell your loans.

Commonwealth One FCU
(800)424-3334
www.cofcu.org

• Credit Union Membership required
• Must enroll in Manage Your Loans at www.salliemae.com

Loan Policy Regarding Selling Loans 2007: Your loans are sold to Sallie Mae, you retain your borrower benefits.

Edamerica
(800)337-1009
www.edamerica.net

• Save 13% or more of your original loan amount when you take advantage of our "Best-Ever" Borrower Benefits (for new loans on or after January 1, 2007)
• Zero Federal Default Fees
• 1.25% interest rate reduction at disbursement with continuous on-time payments
• .50 % "Quick Pay" interest rate reduction
• Benefits repair option after 24 months of on-time payments
• Parents may defer payment while student is enrolled at least half-time
• No pre-payment penalties
• Life-of-loan servicing - we don't sell our loans!
• Non-profit funded single-purpose company - student loans are all we do
• Consolidation options available

Loan Policy Regarding Selling Loans 2007: Our policy is not to sell your loans.

SunTrust
(800)552-3006
www.suntrusteducation.com

• 2% Principal Reduction of the original loan amount after the borrower makes their first payment.
• 1/4% Interest Rate Reduction when monthly loan payments are automatically drafted from a personal bank account.
• 1% Principal Reduction of the original loan amount by making the first 24 monthly loan payments on time and for the full amount.
• 1% Principal Reduction of the original loan amount by making the first 48 monthly loan payments on time and for the full amount.
• Graduate students can defer payments while enrolled in school at least half-time.
• No pre-payment penalties
• Consolidation options available

Loan Policy Regarding Selling Loans 2007: Our policy is not to sell your loans.

Wachovia
(800)338-2243
www.wachovia.com/education

• Save 11.5% with Wachovia off your original loan amount with our borrower benefits package*
• Immediate 0.6% interest rate reduction applied after first disbursement
• 3% Rebate equaling the origination fee will be applied to the accrued interest 180 days after full disbursement
• No pre-payment penalties
• Consolidation options available
• Auto payment not required

*Savings includes default fee savings covered by most national guarantors. Effective 7/1/2007.

Loan Policy Regarding Selling Loans 2007: Our policy is not to sell your loans.