• Stafford Loans
• Private Loans
• PLUS Loans

Private student loans are not subsidized and not guaranteed by the federal government. Private student loans are to be used for education related expenses and should supplement, not replace federal student aid programs. Federal Stafford loans are not based on creditworthiness and are available to students regardless of income.  Private student loans may cost more than federal loans.  Private student loan eligibility is based on the applicant’s creditworthiness. Eligibility is determined by the lender and amounts are limited to the cost of education minus other aid. Contact your lender for specific terms and conditions.

Please note the student may choose any eligible lender and the University will process the student's request. The University Preferred Lenders list is reviewed quarterly, to include lenders that offer additional borrower benefits, have exceptional operating standards, possess technology wherewithal, and are committed to providing outstanding service and expedited processing by meeting or exceeding established performance standards. For additional information on method and criteria for selecting a preferred lender, please click here.

	Citibank CitiAssist Loan Phone: (800) 967-2400 Fax: (800) 723-2777	Fifth Third Bank Signature Student Loan Phone: (888) 777-9959 Fax: (850) 767-7590	Sallie Mae® Signature Student Loan Phone: (888) 777-9959 Fax: (850) 767-7590	Wachovia Graduate Loan Private Loan Phone: (800) 338-2243 Fax: (866) 565-4592 *For graduate students only	Wells Fargo Collegiate Loan Phone: (800) 658-3567 Fax: (800) 456-0561
E-signature available	Yes	Yes	Yes	Yes	Yes
School Certified Product	Yes	Yes	Yes	Yes	Yes
Single Disbursements	Yes	Yes	Yes	Yes	Yes
Product Details for Top Tiers
Eligibility Requirements	US citizen or permanent resident Foreign student with US citizen or permanent resident as a co-signer Borrower and/or co-signer is creditworthy Certificate and certain non-degree programs are eligible May borrow for loan period up to 12 months in the past, borrower does not have to be enrolled on date of school certification Income verification may be required for undergraduate students	US citizen or permanent resident Foreign borrowers must apply with a creditworthy citizen or non-citizen permanent resident co-signer Certificate and certain non-degree programs are eligible No income requirements Borrower and/or co-signer must meet credit criteria May borrow for prior balances if certified within 6 months of prior loan period end date	US citizen or permanent resident Foreign borrowers must apply with a creditworthy citizen or non-citizen permanent resident co-signer Certificate and certain non-degree programs are eligible No income requirements Borrower and/or co-signer must meet credit criteria May borrow for prior balances if certified within 6 months of prior loan period end date	US citizen or permanent resident Foreign students with a US citizen  as a co-borrower No minimum enrollment requirement No debt to income consideration for most borrowers Borrower and/or co-signer must have satisfactory credit May borrow for loan period up to 36 months in the past, borrower does not have to be enrolled on date of school certification Certificate and certain non-degree programs are eligible	US citizen or permanent resident, or temporary resident Non-citizen with resident status and a valid SSN or taxpayer ID US co-signer required for permanent residents and temporary residents Have an established, positive, credit history, acceptable debt-to-income ratio and a minimum income of $12,000, or a co-signer who does. However, juniors, seniors or graduate students with strong credit histories may be eligible for a loan without a cosigner, regardless of income. Student’s grade level must be certified by the school and discrepancies may affect eligibility for this feature Certificate and degree programs are eligible May borrow for balances within last twelve months
Annual Limits	Maximum: Total cost of education less other student aid Minimum: $1000 for first time borrowers	Maximum: Total cost of education less other student aid Minimum: $1000	Maximum: Total cost of education less other student aid Minimum: $1000	Maximum: Total cost of education less other student aid Minimum: $500	Maximum: Total cost of education less other student aid. The annual limit for temporary resident aliens is $25,000 Minimum: $1,000
Aggregate Lifetime Limits	$120,000 Undergraduate $150,000 Graduate	$100,000* Undergraduate $150,000* Graduate $150,000* Graduate Health Professions *Includes all student loan debt, federal and private	$100,000* Undergraduate $150,000* Graduate $150,000* Graduate Health Professions *Includes all student loan debt, federal and private	$130,000 Undergraduate $150,000 Graduate	$120,000
Origination Fees	0% to 5% depending on creditworthiness	0% to 3%	0% to 3%	None	None
Repayment Fees	None	0% to 3%	0% to 3%	None	None
Interest Rates** As of September 2008: *PRIME 5.00%	PRIME minus 0.50% to +4.75% (4.50% to 9.75%)*	LIBOR +3.75% to +10.50% (6.25% to 13.00%) LIBOR rate as published in Reuters.com	LIBOR +3.75% to +10.50% (6.25% to 13.00%) LIBOR rate as published in Reuters.com	PRIME minus 0.50% to +4.00% (4.50% to 9.00%)* Depending on creditworthiness and use of a co-signer	PRIME +0% to +5.99% (5.00% to 10.99%)*
Repayment Period	Undergraduate: 20 years Graduate: 20 years	Maximum 30 years depending on loan balance No pre-payment penalties	Maximum 30 years depending on loan balance No pre-payment penalties	Maximum 25 years depending on loan balance	Maximum 15 years No pre-payment penalties
Grace Period	6 months after graduation or withdrawn status	6 months after graduation or withdrawn status	6 months after graduation or withdrawn status	6 months after graduation or withdrawn status	6 months after graduation or withdrawn status
Repayment Benefits
Immediate Upon Repayment	Interest capitalized once at repayment	Interest capitalized once at repayment	Interest capitalized once at repayment	Interest capitalized once at repayment	Interest capitalized once prior to repayment 0.50% interest rate reduction at repayment upon verification of graduation
Upon Consecutive Payments	0.50% interest rate reduction after the first 48 consecutive on-time payments Co-signer release after the first 24 consecutive on-time payments	Co-signer release after the first 24 consecutive scheduled monthly on-time payments	Co-signer release after the first 24 consecutive scheduled monthly on-time payments	Co-signer release after the first 36 on-time payments	Co-signer release after the first 24 consecutive on-time payments and they must meet the Wells Fargo EFS credit criteria
Payment Options	In-school interest and principal deferment option available Interest only repayment option available	In-school interest and principal forbearance option No payments while in school Interest only repayment option Financial difficulty interest and principal forbearance	In-school interest and principal forbearance option No payments while in school Interest only repayment option Financial difficulty interest and principal forbearance	No payments while in school Interest only & Graduated repayment options available Ability to temporarily suspend payments during periods of financial difficulty	In-school interest and principal deferment option available Interest only option available
ACH	0.25% interest rate reduction for ACH automatic payment			0.50% interest rate reduction with ACH automatic payment	0.25% interest rate reduction with ACH automatic payment
Electronic Statements Required	Yes, for 0.25% ACH benefit only	No	No	No	No
On-time Payment	Payment on-time if made within 15 days from payment date to achieve and maintain the benefits	Payment on-time if made within 14 days from payment date to achieve and maintain the benefits	Payment on-time if made within 14 days from payment date to achieve and maintain the benefits	Payment on-time if made within 15 days from payment date to achieve and maintain the benefits	Payment on-time if made within 15 days from payment date to achieve and maintain the benefits
**Visit Bankrate.com for current rates on PRIME.
The lender reserves the right to modify, extend, or discontinue these benefits at any time without notice. Borrower benefits may be terminated in the event of a default or failure to meet qualification criteria.