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					2008-2009 Alternative Loan Programs



Loan Program          Chase Select                             Wachovia Education Loan                    Wells Fargo Collegiate Loan
Loan Servicer         Chase                                    Wachovia                                   Wells Fargo
Phone                 1-866-306-0868                           1-800-338-2243                             1-800-658-3567
Website               http://www.chaseselectloans.com/         http://www.wachovia.com/                   https://www.wellsfargo.com/student/
Borrower              Student and/or creditworthy co-signer    Student and/or creditworthy co-signer      Student and/or creditworthy co-signer
                      U. S. Citizen
                      Can be attending Less than Halftime
                      No Satisfactory Academic Progress
                      requirement
                      Can borrow for a prior balance without
                      being enrolled.                           - US citizen or Permenent Resident of
                                                               have a US cosinger who meet the            • Undergraduate student enrolled full-time,
Eligibility of                                                 criteria.                                  half-time or less than half-time
Borrower/Co-signer                                             - No minimum enrollment requirement.       • Does not have to meet SAP
                                                               - No SAP required.                         • U.S. citizen or permanent or temporary
                                                               - No income documentation required         resident alien with U.S. citizen co-signer
                                                               for most borrowers.                        • Established positive credit history
                                                               - Students may apply alone or with a co-   • Fresh/Soph - must have min. $12K
                                                               borrower (co-borrower release available    income or cosigner that does
                                                               after 36 months)                           • Junior/Senior - credit ready
                                                               Cost of Attendance MINUS all other aid,
                      Cost of Attendance -Other Aid
Annual Loan Amount                                             MINIMUM LOAN = $500                        Cost of attendance less other fin. aid

                                Undergrad $120,000
Aggregate Limit                 Graduate $180,000                                                         $120,000 (including all educational debt)




     This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information
2008-2009 Alternative Loan Programs




                                                                Ranges from Prime minus 1% to Prime +
Interest Rate         Prime -1.00% to Prime+6.00%                                4%                   starting at prime + 0%
Loan Fees                             0 Fees                                          NONE                                None




Repayment Period      $30,000 or less - up to 20 years                       up to 25 years
                                                         $30,000 or greater -Up to 25 years                               15 years




                                                                                                                          6 months after graduation or enrollment
                                                                                                                          ceases OR 7 years after 1st
Grace Period                           6 months                                Up to nine months                          disbursment, whichever comes first.
                      0 Origination fees and repayment fees     *Zero origination, guarantee, repayment,
                                                                disbursement, and co-signer fees
                      .25% for auto debit of payments                                                                     • Wells Fargo Student Graduation
                                                                *Interest rate reduction of -0.50% available with auto
                      Co borrower release option
Borrower Benefits
                                                                debit payments
                                                                                                                          Benefit SM program interest rate
                                                                * Finance current or past-due balances up to 3 years
                                                                old (no current enrollment required)              * Can   reduction of 0.50% at repayment upon
                                                                use for Non-Degree students                               verification of graduation.
                                                                                                                          • .25% interest rate reduction for ACH




     This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information
2008-2009 Alternative Loan Programs




     This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information
2008-2009 Alternative Loan Programs



EdAmerican Xtra Credit Loan                Key Bank Alternative Loan                    StuFund Solutions Loan                     StuFund Solutions Loan
EdAmerica                                  Key Bank                                     Campus Partners                            Campus Partners
1-800-337-1009                             1800-KEY-LEND                                1-877-788-4770                             1-877-788-4770
https://www.edamerica.net                  www.key.com/alternative                      http://www.stufund.com/                    http://www.stufund.com/
Student and/or creditworthy co-signer      Student and/or creditworthy co-signer        Student and/creditworthy co-signer         Student
                                                                                        US Citizen or US Permanent Resident;       US Citizen or US Permanent
                                                                                        620 FICO score minimum for co-signer;      Resident; No co-signer needed if
                                                                                        45% debt-to-income ratio maximum for       minimum 620 FICO score is met,
                                                                                        co-signer with FICO score less than 660.   with verifiable income of $18,000;
                                                                                        Otherwise no debt-to-income ratio          45% debt-to-income ratio maximum
                                                                                        requirement.                               with FICO score less than 680.
                                                                                                                                   Otherwise no debt-to-income ratio
                                         Degree seeking undergraduate, business                                                    requirement.
                                          or general graduate students attending a
                                            KeyBank-approved institution at least
Borrower must be enrolled or accepted to half time. The Key Alternative Loan is
be at least half-time as an undergraduate taken in the student's name. Both U.S.
or graduate student. The borrower           citizens and permanent residents are
and/or co-borrower must be a U.S.          eligible to apply. Either the applicant or
Citizen or permanent resident.               co-applicant must be a U.S. citizen.
                                                                                        Cost of attendance less other aid          Cost of attendance less other aid
                                 $25,000       Cost of attendance - aid received        received.                                  received.
                                           $125,000 for all combined
                                           undergraduate and graduate student
                 100,000                   loan debt                                    $                            120,000.00    $                        120,000.00




      This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information
2008-2009 Alternative Loan Programs


                                                                                                Outstanding Credit: Prime -.50%;        Outstanding Credit: Prime -.50%;
                                         3-Month LIBOR                Variable,               Excellent Credit: Prime +0%; Good        Excellent Credit: Prime +0%; Good
                                         adjusted quarterly     Interest Rate                Credit: Prime +1%; Satisfactory Credit:    Credit: Prime +1.5%; Satisfactory
                                         Margin:         Cosigned – As low as                Prime +2%; Fair Credit: Prime +3.25%       Credit: Prime +2.5%; Fair Credit:
                                         2.49%, but may be up to 5.99%                                                                            Prime +4.00%
                                         Non-Cosigned – As low as 3.49%,
                                         but may be up to 6.99%
                                         Annual Percentage Rate (1st
                                         quarter 2008):
                                         Cosigned – As low as 7.02%, but
                                         may be up to 10.06%
                                         Non-Cosigned – As low as 7.90%,
                                         but may be up to 10.90%
                                         Current interest rates can always be
 Prime + 0% to Prime + 5% based upon found on our website
 credit score of borrower or co-borrower www.key.com/alternative.
   0% to 9% based on credit score                        NONE                                             Zero Fees                               Zero Fees
                                         Up to 10 years for aggregate debt
                                         less than $15,000                 Up
                                         to 15 years for aggregate debt
                                         between $15,000 and $60,000        Up
                                         to 20 years for aggregate debt
                                         greater than $60,000              No
Maximum repayment period 20 years        prepayment penalties                                       Up to Twenty (20) Years                 Up to Twenty (20) Years

                                                   No payments required until 6 months
                                                   after graduation, dropping below half-
                                                   time status or withdrawal from
                                                   school. Deferment is available for
                   6 months                        students attending Graduate School.                  Six (6) months                          Six (6) months
Rates as low as Prime + 0, Combined billing with                                            .25% Interest Rate Reduction for Auto- .25% Interest Rate Reduction for
Stafford loans, Co-borrower release option         NO FEES                         With
                                                                                            debit Payments. Co-Signer Release      Auto-debit Payments. Forbearance
                                                   our Master Loan Note, sign a
                                                                                            after 36 on-time payments. Forbearance options available.
                                                   promissory note just once for the life   options available.
                                                   of the loan. Easy annual renewal
                                                   process available if funds are needed
                                                   for future years of education.




       This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information
2008-2009 Alternative Loan Programs




     This information has been provided by the lenders and is current as of March 14, 2008. Please check the lender's web site for more information