Alternative Loan Recommended
Lender List

Contact Information
Phone: 1.800.658.3567
Website: http://www.wellsfargo.com/student 

Lender Comparison Information

• Pay later — Make no payments until 6 months after leaving school
• Choose your rate type — Choose from a competitive fixed or variable interest rate
  o Variable interest rate as low as 3.40% APR
  o Fixed interest rate as low as 6.62% APR
• Lower your monthly payments - Reduce interest rate up to 1.00% for limited time with new or existing Wells Fargo Checking Package® account, and an additional 0.50% with auto payment and graduation discounts
• Avoid costly fees — Pay no origination fees
• Learn immediately if you qualify – Receive credit approval within minutes
• Gain peace of mind - Loan forgiveness in event of student death or total permanent disability
• Ensure a fast process – Applying with cosigner may help ensure lowest interest rate and fastest process
• Disclosures - www.wellsfargo.com/studentloandisclosures

Contact Information
Phone: 1.888.2.SALLIE or 1.888.272.5543
Website: http://go.salliemae.com/schoolapply

Loan Comparison Information

• Low Variable interest rates—2.25% APR to 9.37% APR; Competitive Fixed interest rates are also available
• No origination fees and no prepayment penalty
• Pay now or later—defer your payments until after graduation or choose an in-school repayment option that fits your needs
• Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly payments that are made
  on time while in school (not available with the Deferred Repayment Option)
• Tuition Insurance Benefit—Covers up to $5,000 of tuition lost due to a covered medical withdrawal (Available with loans that first disbursed July 1 through October 31, 2012)
• Receive a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit
• Borrow up to 100% of your school-certified education costs (minimum $1,000)
• Applying with a creditworthy cosigner may help you qualify for and/or receive a lower interest rate
• You can apply to release your cosigner after you graduate and make 12 consecutive on-time principal and interest payments
• Can be used to cover unpaid tuition balances

CitiAssist Alternative Loan
as serviced by Citibank

Contact Information

Phone: 1.800.967.2400
Website: http://www.studentloan.com

Loan Comparison Information

• Zero origination fees and low variable rates from 3-Month LIBOR + 2.75% 
• No payments required while enrolled in school so you can focus on your studies
• Apply with a creditworthy friend or family member to help lower your interest rate
• 0.25% interest rate reduction while enrolled in automatic debit payments during repayment 
• Generous repayment term so you can manage your monthly budget
• Enrolled at least half-time and making satisfactory academic progress 
• To view our application/solicitation disclosure forms, visit studentloan.com/appdisclosures

Contact Information
Phone: 1.877.728.3030
Website: http://discoverstudentloans.com/student/private.aspx   

Lender Comparison Information

• Zero fees and rates as low as Prime + 0.00%
• 2% Graduation Reward (2% cash reward on the outstanding principal balance at graduation)
• 0.25% Auto Debit Reward (0.25% interest rate reduction during repayment, when payments are set up for automatic debit from a bank account)
• No payments due until 6 months (9 months for graduate) after graduation or enrollment in school less than half-time
• Annual loan limit: Cost of attendance minus other aid
• Enrolled at least half-time and making satisfactory academic progress
• To view our application/solicitation disclosure forms, visit https://www.discover.com/student-loans/help/download-student-loan-forms.html

Charter One TruFit Student Loan
as serviced by Charter One

Lender Code
808140

Loan Comparison Information

• No origination fees, and no prepayment penalty
• Fixed rate between 6.75% - 12.25% with co-signor
• Variable rate based on one-month LIBOR + 2.70% - 9.25% with a co-signor
• 0.25% interest rate reduction for automating payment from any eligible bank account
• Loan forgiveness in the event of death of permanent and total disability
• Co-signor release after 36 on-time payments
• Must be enrolled at least half-time in a degree granting program
• Eligible for past due balance up to 180 days after the date of last attendance
• Charter One TruFit Student Loan disclosures http://www.charterone.com/trufit-disclosure/
• Charter One has 25 years experience with student lending

Union Federal Private Student Loan
as serviced by American Education Services (AES)

  Lender Code
907798

Contact Information
Phone: 1.866.513.8445
Website: http://www.unionfederalstudentloans.com/

Loan Comparison Information

• Competitive rates starting as low as 2.87%
• No origination or repayment fees
• Choice of multiple repayment terms
• 0.25% interest rate reduction for ACH payments
• 0.25% interest rate reduction for on-time payments
• Cosigner release option after 36 months of on-time payments
• International students must apply with an eligible U.S. cosigner
• Can be used to cover past due balances

Contact Information

Phone: 1.800.666.3910
Website: http://www.commercebank.com/money101

Loan Comparison Information

• Competitive interest rates— 2.37% APR to 9.48% APR; Competitive Fixed interest rates are also available
• No origination fees and no prepayment penalty 
• Pay now or later—defer your payments until after graduation or choose an in-school repayment option that fits your needs
• Borrow up to 100% of your school certified education costs (minimum $1,000)
• Get a 2% Smart Reward® in your Upromise® account when you make scheduled monthly payments on time while in school (Not available with Deferred Repayment Option)
• Earn a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payment by automatic debit
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate
• You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments
• Can be used to cover unpaid tuition balances
• Commerce Bank has been helping students finance their education for over 46 years