Sallie Mae Education Trust

888.272.5543

www.salliemaeedtrust.com/stafford

Lender Code: 802218

1% - Default Fee

3% - Origination Fee

• 24/7 loan application and access to your student loan account.
• Direct RepaySM - Borrowers who authorize the automatic debit of funds from their checking or savings accounts to cover their monthly education loan payments will receive an interest rate reduction of 0.25 percentage point on their eligible Stafford Loans. This benefit remains available during active repayment for as long as the borrower’s monthly payment is successfully deducted from the borrower’s account.
• Online or by phone instant credit decisions.
• Combined billing of all FFELP and private loans for ease of repayment.
• Flexible repayment options.
• Life-of-loan servicing from application through repayment by SallieMae.
• Student and parent borrowers who are Upromise members can have their Upromise rewards transferred to help pay down their eligible Sallie Mae-serviced student loans.

Regions

800.858.7822

studentloans.regions.com

Lender Code: 810612

1% - Default Fee

3% - Origination Fee

• Immediate pre-approval status when you apply online.
• 0.25 percentage point interest rate reduction for automatic debit.
• Flexible Repayment Options.

SunTrust Education Loans

877.804.3603

www.suntrusteducation.com

Lender Code: 810691

1% - Default Fee

3% - Origination Fee

• 0.25% interest rate reduction for making payments using auto-debit.
• 24/7 student loan application and online account access.
• Flexible repayment options.

Chase

800.487.4404

www.chasestudentloans.com/custom/utmem

Lender Code for Graduate/Professional - 831216
Lender Code for Undergraduate - 803000

0% - Default Fee

3% - Origination Fee

• 0.25% for automatic debit participation.
• Online loan management through Chase.

Graduate Leverage

888.350.8488

www.GraduateLeverage.com

Lender Code: 834172

1% - Default Fee

3% - Origination Fee

• 0.25% interest rate reduction for setting up and making automatic payments from your bank account.
• Loans Capitalize Once at Repayment: This favorable policy can save thousands compared to annual capitalization policies and depending on loan balance.
• Targeted Repayment Service: Value added service that facilitates savings through optimal loan repayment.
• 24/7 Account access via an online account.
• Single Point of Contact: All loans serviced by Graduate Leverage from application through the life of loan.
• Combined Billing for all federal and private loan products.

First Tennessee Bank

866.386.5641

www.firsttennessee.com/

Lender Code: 810563

1% - Default Fee

3% - Origination Fee

• Life-of-loan servicing with Edfinancial Services

Citibank

800.967.2400

www.studentloan.com

Lender Code: 826878

1% - Default Fee

3% - Origination Fee

• 0.25% interest rate reduction when you enroll in our auto-debit payment program Borrow up to the full cost of education, less any financial aid received.
• Flexible repayment options.

Bank of America

800.344.8382

www.bankofamerica.com/studentloans

Lender Code: 824421

1% - Default Fee

3% - Origination Fee

• 0.25% Interest Rate Reduction for Bank of America Checking or Savings Account Customers*
• The rate reduction applies for the life of the loan. Once you earn the reduction, it’s yours!
• For your convenience, Bank of America verifies that you have a checking or savings account. You do not need to provide documentation.

^*If the first disbursement on your loan is before 6/30/09, a 0.25% interest rate reduction applies if you have a Bank of America checking or savings account open for at least 60 days between your loan disbursement and your first scheduled payment. Your rate will be reduced shortly after you make your first scheduled payment on time. To see our checking and savings accounts, visit https://www.bankofamerica.com/index.jsp and click "Checking" or "Savings & CDs".

Edamerica

800.337.1009

www.edamerica.net

Lender Code: 831453

1% - Default Fee

3% - Origination Fee

• 0.25% interest rate reduction for auto-debit with continuous on-time payments
• No payments while in school
• One point of contact for life of loan servicing
• 20 years of expertise concentrating solely on student loans
• Fast and easy online application with instant credit decision