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					                                                                                                               Argosy Education Group
                                                                                                            Federal Stafford Loan Overview
                                                                You have the right to select any lender that offers these loans even if they are not on this list.
                                                      Please carefully read your master promissory note to ensure that you fully understand your borrower obligations.

                                                                                                                                                                                                                               Sallie Mae Education Trust (802218),
                                                                                                                                                                                                                               Student Loan Funding (831455), and
LENDER:         Bank of America* (824421)                        Chase (803000)                          Wells Fargo (807176)                                              Wachovia (830005)                                   Regions (810612)
Guarantor       Ed Funds                                         ECMC (Education Credit Management Corp) EdFund                                                            TG                                                  USAF
                                                                                                                                                                        Wachovia rarely sells loans, as we prefer to
                                                                                                                                                                                                                               No payments required while in school at least
                                                                                                                                                                        hold all loans through repayment. The student
                                                                 Chase provides combined billing of its federal and      No payments while enrolled at least half-time.                                                        half-time, online account management at
              No payments while enrolled at least half-time.                                                                                                            will retain their borrower benefit until the loan
                                                                 private student loans, serviced exclusively by Chase.   Wells Fargo provides combined billing of its                                                          www.ManageYourLoans.com, life of loan
Loan Features Effective starting June 1, 2008. No                                                                                                                       is paid in full by the borrower, consolidated or
                                                                 No payments while enrolled at least half-time. No       federal and priviate students loans products.                                                         servicing at Sallie Mae, flexible repayment
              prepayment penalities                                                                                                                                     in default.• No payment while enrolled at least
                                                                 prepayment penalities                                   No prepayment penalities                                                                              options. Sallie Mae provides combined billing
                                                                                                                                                                        half-time.             • No pre-payment
                                                                                                                                                                                                                               of its federal and private student loans.
                                                                                                                                                                        penalties.
                                                                 http://www.chasestudentloans.com/custom/argosy/          https://www.wellsfargo.com/student/undergra http://studentloans.wachovia.com/jump/e0000
  Web Site          www.bankofamerica.com/studentloans                                                                                                                                                                                      www.salliemae.com
                                                                 http://www.chasestudentloans.com/custom/wsulaw/                            d/stafford/                                   00/stafford.htm
                                                                                                                                                                                                                               1-888-272-5543 (interactive voice response
Phone           Customer Service (800) 344-8382                  Customer Service calls 800-487-4404                     Customer Service 1-800-658-3567                   Customer Service 1-800-338-2243
                                                                                                                                                                                                                               available 24/7)
                                                                                                                                                                                                                               Customer service representatives are available
                8am to 9pm Monday through Friday 8am to          Customer Service 8:00 am - 9:00 pm (Eastern Time)       8am to 9pm Monday through Friday 8am to           8:30am - 8:00pm (Eastern Time), Monday
Hours                                                                                                                                                                                                                          Monday-Thursday 8 a.m.-8 p.m. and Friday 8
                12pm Saturday (Eastern Time)                     Monday - Friday                                         12pm Saturday (Central Time)                      through Friday
                                                                                                                                                                                                                               a.m.-5 p.m. in all time zones
              Effective July 1, 2008 through June 30,            Effective July 1, 2008 through June 30, 2009:           Effective July 1, 2008 through June 30,           Effective July 1, 2008 through June 30,             Effective July 1, 2008 through June 30,
Interest Rate 2009: 6.0% fixed rate for subsidized and           6.0% fixed rate for subsidized and 6.8% fixed rate      2009: 6.0% fixed rate for subsidized and          2009: 6.0% fixed rate for subsidized and            2009: 6.0% fixed rate for subsidized and
              6.8% fixed rate for unsubsidized.                  for unsubsidized.                                       6.8% fixed rate for unsubsidized.                 6.8% fixed rate for unsubsidized.                   6.8% fixed rate for unsubsidized.
                                                                                                                                                                                                                               1.5% origination fee charged to loans
                1.5% origination fee charged to loans                                                                    0% origination fee; 0% default fee effective      0.00% origination Fee; 0.00% default fee            guaranteed on or after May 2, 2008 through
                guaranteed 2008 through June 30, 2008.                                                                   through June 30, 2008.       1% origination       with TG as the guarantor effective through          June 30, 2008.                       1.0%
                                                                 Effective June 1, 2008, there is a 1% origination fee
Fees            1.0% origination fee charged to loans                                                                    fee; 0% default fee with EDFUND as the            June 30, 2008.      1% Origination Fee.0%           origination fee charged to loans guaranteed
                                                                 and a 0% default fee.
                guaranteed on or after July 1, 2008 through                                                              guarantor effective July 1, 2008 through June     Default Fee with TG as the guarantor,               on or after July 1, 2008 through June 30,
                June 30, 2009.                                                                                           30, 2009.                                         Effective July 1, 2008 through June 30, 2009.       2009.                    0% default fee with
                                                                                                                                                                                                                               USA Funds guarantee effective through June
              Be enrolled as a full or half-time                 Be enrolled as a full or half-time undergraduate        Be enrolled as a full or half-time                Be enrolled as a full or half-time                  Be enrolled as a full or half-time
              undergraduate student; Be a US citizen,            student; Be a US citizen, national or eligible non-     undergraduate student; Be a US citizen,           undergraduate student; Be a US citizen,             undergraduate student; Be a US citizen,
Eligibility
              national or eligible non-citizen; Submit a         citizen; Submit a FAFSA form; Complete and sign a       national or eligible non-citizen; Submit a        national or eligible non-citizen; Submit a          national or eligible non-citizen; Submit a
              FAFSA form; Complete and sign a Federal            Federal Stafford MPN                                    FAFSA form; Complete and sign a Federal           FAFSA form; Complete and sign a Federal             FAFSA form; Complete and sign a Federal
              Dependent Maximum Annual loan limit                Dependent Maximum Annual loan limit                     Dependent Maximum Annual loan limit               Dependent Maximum Annual loan limit                 Dependent Maximum Annual loan limit
              Freshman $5,500                                    Freshman $5,500                                         Freshman $5,500                                   Freshman $5,500                                     Freshman $5,500
              Sophomore $6,500                                   Sophomore $6,500                                        Sophomore $6,500                                  Sophomore $6,500                                    Sophomore $6,500
2008-09
              Junior or senior $7,500                            Junior or senior $7,500                                 Junior or senior $7,500                           Junior or senior $7,500                             Junior or senior $7,500
Loan
              Independent Maximum Annual loan                    Independent Maximum Annual loan limit                   Independent Maximum Annual loan                   Independent Maximum Annual loan                     Independent Maximum Annual loan
Amounts
              limit                                              Freshman $9,500                                         limit                                             limit                                               limit
              Freshman $9,500                                    Sophomore $10,500                                       Freshman $9,500                                   Freshman $9,500                                     Freshman $9,500
              Sophomore $10,500                                  Junior or senior $12,500                                Sophomore $10,500                                 Sophomore $10,500                                   Sophomore $10,500
Start Date of 6 months after Graduation or the student           6 months after Graduation or the student ceases         6 months after Graduation or the student          6 months after Graduation or the student            6 months after Graduation or the student
Repayment     ceases enrollment or drops below 1/2 time          enrollment or drops below 1/2 time                      ceases enrollment or drops below 1/2 time         ceases enrollment or drops below 1/2 time           ceases enrollment or drops below 1/2 time
              10 years to repay Federal Stafford Loans in        10 years to repay Federal Stafford Loans in addition    10 years to repay Federal Stafford Loans in       10 years to repay Federal Stafford Loans in         10 years to repay Federal Stafford Loans in
              addition to any periods of Deferment or            to any periods of Deferment or Forbearance; an          addition to any periods of Deferment or           addition to any periods of Deferment or             addition to any periods of Deferment or
              Forbearance; an extended repayment term of         extended repayment term of up to 25 years is            Forbearance; an extended repayment term of        Forbearance; an extended repayment term of          Forbearance; an extended repayment term of
Repayment     up to 25 years is available to borrowers           available to borrowers whose total Federal Family       up to 25 years is available to borrowers          up to 25 years is available to borrowers            up to 25 years is available to borrowers
              whose total Federal Family Education Loan          Education Loan debt exceeds $30,000. Other options      whose total Federal Family Education Loan         whose total Federal Family Education Loan           whose total Federal Family Education Loan
              debt exceeds $30,000. Other options include        include Income Sensitive, and Graduated repayment       debt exceeds $30,000. Other options include       debt exceeds $30,000. Other options include         debt exceeds $30,000. Other options include
              Income Sensitive, and Graduated repayment          options.                                                Income Sensitive, and Graduated repayment         Income Sensitive, and Graduated repayment           Income Sensitive, and Graduated repayment
              • 1.5% origination fee charged to loans
              guaranteed 2008 through June 30, 2008.
              1.0% origination fee charged to loans
              guaranteed on or after July 1, 2008 through
              June 30, 2009.
              • Bank of America will pay the government’s                                                                With our Federal Stafford Loan, students are
              origination fee for Stafford borrowers.                                                                    rewarded for achieving their education goal.      Effective July 1, 2008:
              • 0.25% Interest Rate Reduction for Bank of                                                                This benefit cannot be taken away for late
              America Checking or Savings Account                                                                        payments. Available for Federal Stafford
                           2
              Customers                                                                                                  Loans guaranteed on or after July 1, 2008:                              •Automatic 1% principal       1% origination fee, 0% default fee with USA
              • The rate reduction applies for the life of the                                                           • Wells Fargo Student Graduation Benefit          reduction at disbursement (retained when first      Funds guarantee; additionally, borrowers are
              loan. Once the borrower earns the benefit, it      Effective June 1, 2008, there is a 1% origination fee   program interest rate reduction of 0.50% at       12 scheduled payments are made on time)             eligible for 0.30% percentage point interest
              is not removed for any reason.                     and a 0% default fee. 0.25% Interest Rate               repayment upon verification of graduation         •0.25% interest rate reduction when using           rate reduction for making payments using
              • Auto debit is not required.                      Reduction at repayment (no minimum number of on         • 0.25% interest rate reduction when Wells        auto debit            •Benefit Rehabilitation: If   automatic debit. Borrower receives 0.30%
                                                 1
                                                   The first     time payments required to receive the Interest Rate     Fargo automatically withdraws payments from       a borrower is delinquent on one of the first 12     interest rate reduction immediately at
              disbursement on your loan must occur before        Reduction), effective, for loans guaranteed on or after a personal checking or savings account at         payments, they can re-earn the principal            repayment when signing up for auto debit.
  Borrower
              6/30/09 to receive this benefit.                   June 1, 2008.                                           repayment                                         reduction benefit by completing a financial         Your borrower benefits, rates and fees are
   Benefits   2
                If the first disbursement on your loan is        While Chase reserves the right to sell their loans; the • Life of Loan Servicing - one point of contact   literacy tutorial and making the remainder of       locked in for that loan period at the time of
              before 6/30/09, a 0.25% interest rate              student will retain their borrower benefits, which are  from application through final payment.           the first 12 payments on time. Your borrower        the first disbursement of that loan. There is
              reduction applies if you have a Bank of            subject to change prior to disbursement, until the      • Free Wells Fargo College Checking®              benefits, rates and fees are locked in for that     no guarantee that you will continue to be
              America checking or savings account open for       loan is paid if full by the borrower, consolidation or  account, Online Banking, and Bill Pay.            loan period at the time of the first                eligible for future loans or receive the same
              at least 60 days between your loan                 default.                                                                   Your borrower benefits,        disbursement of that loan. There is no              benefits, rates and fees for subsequent loans.
              disbursement and your first scheduled                                                 Your borrower        rates and fees are locked in for that loan        guarantee that you will continue to be eligible     Borrower benefits are subject to change at
              payment.                                           benefits, rates and fees are locked in for that loan    period at the time of the first disbursement of   for future loans or receive the same benefits,      any time prior to disbursement of the loan.
                                                                 period at the time of the first disbursement of that    that loan. There is no guarantee that you will    rates and fees for subsequent loans. Borrower
                    Your borrower benefits, rates and fees are loan. There is no guarantee that you will continue to     continue to be eligible for future loans or       benefits are subject to change at any time
                locked in for that loan period at the time of    be eligible for future loans or receive the same        receive the same benefits, rates and fees for     prior to disbursement of the loan.
                the first disbursement of that loan. There is no benefits, rates and fees for subsequent loans.          subsequent loans. Borrower benefits are
                guarantee that you will continue to be eligible Borrower benefits are subject to change at any time      subject to change at any time prior to
                for future loans or receive the same benefits,   prior to disbursement of the loan.                      disbursement of the loan.
                rates and fees for subsequent loans.
                Borrower benefits are subject to change at
                any time prior to disbursement of the loan.
*Bank of America prgram is not available until June 2008
**ECMC (Education Credit Management Corp) is not affiliated with EDMC

Information is as of May 19, 2008 and is subject to change.
                                                                                                                      Argosy Education Group
                                                                                                                    Federal PLUS Loan Overview
                                                                 You have the right to select any lender that offers these loans even if they are not on this list.
                                                       Please carefully read your master promissory note to ensure that you fully understand your borrower obligations.

                                                                                                                                                                        Sallie Mae Education Trust
LENDER:          Bank of America* (824421)                       Wells Fargo (807176)                                Wachovia (830005)                                  (802218), Student Loan Funding                      Chase (803000)
                                                                                                                                                                        (831455), and Regions (810612)
Guarantor        Ed Funds                                        EdFund                                              TG                                                 USAF                                                ECMC (Education Credit Management Corp)
                                                                                                                     Wachovia rarely sells loans, as we prefer
                                                                                                                     to hold all loans through repayment. The
                                                                                                                     student will retain their borrower benefit         Postpone repayment for up to 60 months
                                                                                                                     until the loan is paid in full by the              while your dependent child is in school, no
                                                                                                                     borrower, consolidated or in default.                                                                  Zero Default Fees with ECMC as the guarantor,
                                                                                                                                                                        income or collateral requirements, interest
                                                                                                                                                                                                                            Effective June 1, 2008 there is 0% default fee. 0.25%
                                                                 Parents are able to apply via the web or                       Ability to postpone payments for        may be tax deductible, online account
                                                                                                                                                                                                                            Interest Rate Reduction at repayment for ALL
Loan Features none                                               phone and can electronically sign the               up to four years while student enrolled            management at www.ManageYourLoans.com,
                                                                                                                                                                                                                            borrowers (no minimum number of on time payments
                                                                 promissory note.                                    with our forbearance option.                       life of loan servicing at Sallie Mae, You may
                                                                                                                                                                                                                            required to receive the Interest Rate Reduction),
                                                                                                                     Team of certified credit counselors on             borrower up to the full cost of your child's
                                                                                                                                                                                                                            effective June 1, 2008.
                                                                                                                     hand to counsel applicants with credit             education less other aid received; PLUS
                                                                                                                                                                        endorser options are available
                                                                                                                     challenges.
                                                                                                                     Pre-approvals online or over the phone.
                                                                                                                     No pre-payment penalties.
                                                                 https://www.wellsfargo.com/student/undergrad/ http://studentloans.wachovia.com/jump/e0000                                                                  http://www.chasestudentloans.com/custom/argosy/
  Web Site         www.bankofamerica.com/studentloans                                                                                                                                 www.salliemae.com
                                                                                      plus/                                 00/parentPLUS.htm                                                                               http://www.chasestudentloans.com/custom/wsulaw/
                                                                                                                                                                        PLUS Loans 1-800-891-1410, general account
Phone           Customer Service (800) 344-8382                  Customer Service 1-800-658-3567                     1-800-338-2243                                     inquiries 1-888-272-5543 (interactive voice         Customer Service calls 800-487-4404
                                                                                                                                                                        response available 24/7)
                                                                                                                                                                        Customer service representatives are
                8am to 9pm Monday through Friday 8am to 8am to 9pm Monday through Friday 8am to                      8:30am - 8:00pm (Eastern Time), Monday                                                                 Customer Service 8:00 am - 9:00 pm ET Monday -
Hours                                                                                                                                                                   available Monday-Thursday 8 a.m.-8 p.m. and
                12pm Saturday (Eastern Time)            12pm Saturday (Central Time)                                 through Friday                                                                                         Friday
                                                                                                                                                                        Friday 8 a.m.-5 p.m. in all time zones
                                                                                                                                                                        loans first disbursed on or after July 1, 2006 is   8.5% fixed rate (8.4% after 0.10% Interest Rate
Interest Rate 8.5% fixed rate                                    8.50% Fixed Interest Rate                           8.5% fixed
                                                                                                                                                                        fixed at 8.5%                                       Reduction).
                                                                                                                     3% Origination Fee; 0% Default Fee
                                                                                                                     using TG as the guarantor, Effective
                3% origination fee; 0% default fee with                                                              through June 30, 2008.
                                                         3.00% Origination Fee, 0.00% Default Fee                                                                       3% origination fee, 1% default fee. Effective       3% Origination Fee; 0% default fee with USAF as the
Fees            EDFUND guarantee. Effective through June                                                                         3% Origination Fee; 0%
                                                         w/EDFUND. Effective through June 30, 2009.                                                                     through June 30, 2009                               guarantor.
                30, 2009                                                                                             Default Fee using TG as the guarantor,
                                                                                                                     Effective July 1, 2008 through June 30,
                                                                                                                     2009.
                Be a parent of a full or half-time
                dependent undergraduate student; US              Be a parent of a full or half-time dependent        Be a parent of a full or half-time dependent                                                           Be a parent of a full or half-time dependent
                Citizen, national, or eligible non-citizen;      undergraduate student; US Citizen, national,        undergraduate student; US Citizen, national,       Must be a US Citizen or national, US                undergraduate student; US Citizen, national, or
                satisfactory credit history; PLUS pre-screen     or eligible non-citizen with satisfactory credit    or eligible non-citizen with satisfactory credit   permanent resident or eligible non-citizen;         eligible non-citizen; satisfactory credit history; PLUS
Eligibility
                can be submitted online with a credit            history. PLUS pre-screen can be submitted           history. PLUS pre-screen can be submitted          credit check is required; student must be           pre-screen can be submitted online with a credit
                decision received within minutes;second          online with a credit decision received within 3     online with a credit decision received within 3    undergraduate/dependent child                       decision received within minutes;second look process
                look process for borrowers that are initially    minutes;                                            minutes;                                                                                               for borrowers that are initially denied
                denied
                                                                 Up to the cost of education (tuition, room and                                                                                                             Minimum $100, Maximum Cost of Education less any
Loan Amount Set by U.S. Department of Education                                                                 Up to the cost of attendance less other aid
                                                                 board, books, etc.) minus other financial aid                                                                                                              other Financial Aid awarded
              First payment will be due within 60 days
                                                                                                                     60 days after full disbursement, with              Repayment on PLUS loan begins within 60             First payment will be due within 60 days after the
              after the loan is fully disbursed; However         You can postpone payments for up to five
                                                                                                                                                                        days after the final disbursement of the loan;      loan is fully disbursed; However Parent PLUS
Start Date of Parent PLUS borrowers can request a                years while your student is enrolled at least       forbearance options up to 4 years. The
                                                                                                                                                                        however, payments may be postponed for up           borrowers can request a forbearance to alleviate
Repayment     forbearance to alleviate payment                   half-time (you must request forbearance             parent borrower must apply annually for
                                                                                                                                                                        to 60 months while your dependent child is in       payment obligation, if experiencing financial difficulty
              obligation, if experiencing financial difficulty   annually).                                          the forbearance.                                   school                                              while their child is enrolled in school
              while their child is enrolled in school
              Standard repayment terms allow up to 10
                                                                                                                     10-year standard repayment, with option                                                                Standard repayment terms allow up to 10 years to
              years to repay a Federal PLUS Loan, in             Standard Repayment Plan is 10 years.
                                                                                                                                                                                                                            repay a Federal PLUS Loan, in addition to any periods
              addition to any periods of deferment or            Borrowers have the option of choosing an            for income-sensitive, graduated or                 Standard, Extended, Graduated, Income-
Repayment                                                                                                                                                                                                                   of deferment or forbearance. Other repayment
              forbearance. Other repayment options               extended repayment plan or to consolidate           extended repayment or consolidation, up            sensitive repayment options.
                                                                                                                                                                                                                            options include graduated, income-sensitive, and
              include graduated, income-sensitive, and           their student loans                                 to 20 years.                                                                                           extended repayment
              extended repayment
              • 0.25% Interest Rate Reduction for Bank                                                               Effective through June 30, 2008
                                                                 With our Federal PLUS Loan for parents
              of America Checking or Savings Account                                                                               Automatic 1% principal rebate at
                                                                 available for loans guaranteed on or after July
              Customers 2                                        1, 2008:
                                                                                                                     the start of repayment.
               The rate reduction applies for the life of        • A 0.25% interest rate reduction when Wells
              the loan. Once the borrower earns the                                                                  1% principal rebate after 12 scheduled on
                                                                 Fargo automatically withdraws payments from                                                                                                             Effective for loans quaranteed on or after June 1,
              benefit, it is not removed for any reason.                                                             time payments using auto debit.
                                                                 a personal checking or savings account at                                                                                                               2008, there is a 3% origination fee and a 0% default
              • Auto debit is not required.                                                                                                             1.5%
                                                                 repayment                                                                                                                                               fee. 0.25% Interest Rate Reduction at repayment
              2
                If the first disbursement on your loan is                                                            principal rebate after 24 scheduled on time        0.70% percentage point interest rate
                                                                 • 0.00% Federal Default Fee w/Guarantor                                                                                                                 (no minimum number of on time payments required
              before 6/30/09, a 0.25% interest rate                                                                  payments using auto debit.                         reduction for making payments using
                                                                 Partner                                                                                                                                                 to receive the Interest Rate Reduction), effective, for
              reduction applies if you have a Bank of                                                                                          Effective July 1,        automatic debit.                   Your
                                                                 • Life of Loan Servicing - one point of contact                                                                                                         loans guaranteed on or after June 1, 2008. While
              America checking or savings account open                                                               2008:                                              borrower benefits, rates and fees are locked
                                                                 from application through final payment.                                                                                                                 Chase reserves the right to sell their loans; the
              for at least 60 days between your loan                                                                                                                    in for that loan period at the time of the first
Borrower                                                                                                                                                                                                                 student will retain their borrower benefits until the
              disbursement and your first scheduled                                                                                                                     disbursement of that loan. There is no
Benefits                                                                      • You can postpone payments for                                                                                                            loan is paid if full by the borrower, consolidation or
              payment. Your rate will be reduced shortly                                                                                                 •1%            guarantee that you will continue to be eligible
                                                                 up to five years while your student is enrolled                                                                                                         default.Your borrower benefits, rates and fees are
              after you make your first scheduled                                                                    interest rate reduction after 36 on-time           for future loans or receive the same benefits,
                                                                 at least half-time (you must request                                                                                                                    locked in for that loan period at the time of the first
              payment on time.                                                                                       auto-debit payments. •Benefit                      rates and fees for subsequent loans.
                                                                 forbearance annually).                                                                                                                                  disbursement of that loan. There is no guarantee
                               Your borrower benefits,                                                                                                                  Borrower benefits are subject to change at
                                                                 Your borrower benefits, rates and fees are          Rehabilitation: If a borrower is                                                                    that you will continue to be eligible for future loans or
              rates and fees are locked in for that loan                                                                                                                any time prior to disbursement of the loan.
                                                                 locked in for that loan period at the time of       delinquent on one of the first 36                                                                   receive the same benefits, rates and fees for
              period at the time of the first disbursement       the first disbursement of that loan. There is       payments, they can re-earn the interest                                                             subsequent loans. Borrower benefits are subject to
              of that loan. There is no guarantee that           no guarantee that you will continue to be                                                                                                               change at any time prior to disbursement of the loan.
                                                                                                                     rate reduction benefit by completing a
              you will continue to be eligible for or            eligible for or receive the same benefits, rates    financial literacy tutorial and making the
              receive the same benefits, rates and fees          and fees for subsequent loans. Borrower
              for subsequent loans. Borrower benefits
                                                                                                                     remainder of the 36 payments on time.
                                                                 benefits are subject to change at any time
              are subject to change at any time prior to                                                             Your borrower benefits, rates and fees
                                                                 prior to disbursement of the loan.
              disbursement of the loan.                                                                              are locked in for that loan period at the
*Bank of America prgram is not available until June 2008
**ECMC (Education Credit Management Corp) is not affiliated with EDMC

Information is as of May 12, 2008 and is subject to change.
                                                                                                                     Argosy Education Group
                                                                                                                      Private Loan Overview
We strongly recommend that you utilize available federal, institutional and state (if any) aid, Federal Stafford loans, and, if you are a dependent student, the Parent Loan for Undergraduate Students, prior to
                                                      Please carefully read your master promissory note to ensure that you fully understand your borrower obligations.

LENDER:          Wachovia (830005)                                Chase (503000)                                     Sallie Mae Bank (900951)                          Wells Fargo (807176)                                Campus Door (999444)
                                                                                                                                                                                                                           With a CampusDoor School-Certified Student Loan,
                                                                                                                                                                                                                           you can pay for undergraduate or graduate
                                                            Credit decisions within minutes and e-                                                                                                                         educational expenses from a minimum of $500 up to
                                                                                                                                                                       The Collegiate Loan is for undergraduate
                                                            signature available. No income requirement                                                                                                                     a lifetime maximum aggregate of $250,000. This loan
                                                                                                                                                                       students seeking a certified private loan
                                                            for borrower or cosigner. Can be used for                No income requirement; creditworthy                                                                   is certified by your school's financial aid office and is
                                                                                                                                                                       product. If you've received all the federal
                                                            students that are enrolled and taking full time,         cosigners may help students get a better rate                                                         in most cases disbursed directly to the school.
              The TERI Private Loan offered by Wachovia                                                                                                                loans you're eligible for and still don't have
                                                            half-time and less than half-time hours. No              and save money; cosigner release option is                                                            Other great benefits of the CampusDoor School-
              is for undergraduate students enrolled full-                                                                                                             enough, you can use a Wells Fargo Collegiate
                                                            payments required while in school. Cosigner              available for creditworthy borrowers after 24                                                         Certified Student Loan:
              time or half-time. Funds can be used to                                                                                                                  Loan to borrow up to the entire cost of your
                                                            release after 36 consequitive on time payments           on-time payments; Convenience of having all                                                           Easy four-step application process
Loan Features cover education expenses incurred within the                                                                                                             education. Students are able to apply via the
                                                            and new credit approval. Interest capped at              your student loans in one place and receiving                                                         Competitive interest rates and fees
              last 12 months. Co-signer release option is                                                                                                              web or phone and can electronically sign the
                                                            start of repayment and after periods of                  one monthly bill when your Stafford loans are                                                         Online decisions in less than a minute
              available for creditworthy borrowers after 48                                                                                                            promissory note. Co-signer Release from loan
                                                            forbearance. Hardship Forbearance available.             serviced by Sallie Mae; You can borrow as                                                             12-month grace period after graduation
              on-time payments.                                                                                                                                        after 24 on-time payments and valid credit
                                                            Combined billing available for all Chase                 much as you need to pay for the cost of your                                                          Incidental loan option available
                                                                                                                                                                       check. Wells Fargo provides combined billing
                                                            serviced loans. Repayment period is up to 20             education as certified by your school.                                                                FAFSA may be required
                                                                                                                                                                       of its federal and priviate students loans
                                                            years for loans up to $30,000 and 25 years for                                                                                                                 Up to a 1% discount for on-time and direct e-
                                                                                                                                                                       products.
                                                            loans $30,000 and higher.                                                                                                                                      payments4
                                                                                                                                                                                                                           Interest capitalizes once at repayment
                                                                  http://www.chasestudentloans.com/custom/argo
                                                                                                                                                                       https://www.wellsfargo.com/student/undergra
   Web Site                   www.wachovia.com                    sy/                                                        www.salliemae.com                                                                                      www.CampusDoor.com/StudentLoan
                                                                                                                                                                                       d/collegiate/
                                                                  http://www.chasestudentloans.com/custom/wsulaw/
                                                                                                               Signature loans 1-800-695-3317; general
Phone            1-800-225-TERI                                   Customer Service calls 1-800-487-4404        account inquiries 1-888-272-5543 (interactive           Customer Service 1-800-658-3567                     Customer Service 1-800-786-0002
                                                                                                               voice response available 24/7)
                                                                                                                                                                                                                           Normal hours are 8:30AM – 8:30PM (Eastern Time),
                                                                                                                                                                                                                           Monday through Friday.
                                                                                                                     Customer service representatives are available                                                        Customer Service Hours will be expanded from June
                                                                  Customer Service 8:00 am - 9:00 pm (Eastern                                                          8am to 9pm Monday through Friday 8am to
Hours            8:00am - 8:00pm, Monday through Friday                                                              Monday-Thursday 8 a.m.-8 p.m. and Friday 8                                                            2, to September 30, 2008 to the following:
                                                                  Time) Monday - Friday                                                                                12pm Saturday (Central Time)
                                                                                                                     a.m.-5 p.m. in all time zones                                                                              Monday-Friday 8:30am-10:30pm Eastern Time
                                                                                                                                                                                                                                Thursday-8:30am-8:30pm-Eastern Time
                                                                                                                                                                                                                                Saturday-8:30am-4:30pm Eastern Time
                                                                                                                     Effective for loans disbursements prior
                                                                                                                     to June 1, 2008.
                                                                  Effective through May 31, 2008 Prime Rate
                                                                  Index minus 0.50% to Prime Rate Index plus
                                                                                                                     Undergrad: Prime plus 0.00% to Prime plus
                                                                  5.75% for a student with or without a
                                                                                                                     6% based on credit review with a cosigner.
                                                                  cosigner; Effective June 1, 2008 Prime Rate
                                                                                                                                                  Prime plus 1.5% to
                 Undergraduate students: rates range from         Index minus 0.50% to Prime Rate Index plus
                                                                                                                     Prime Plus 6.5% based on credit review with       Interest Rate are variable and ranging from         Interest Rate are variable and ranging from Prime -
                 the LIBOR Index plus 2.50% to 5.00%.             7.00% for a student with cosigner; Effective
Interest Rate                                                                                                        out a cosigner. Interest rates are variable and   Prime plus 0.00% to Prime Plus 5.99%. Baesd         0.5% to Prime +7.9%. Baesd on students and or
                 Interest rates are variable and are adjusted     June 1, 2008 (.50% Interest Rate Reduction
                                                                                                                     are adjusted quarterly.                           on students and or cosigners credit history         cosigners credit history
                 quarterly.                                       for using an Approved Cosinger)
                                                                                                                              Effective for loan disbursements
                                                                   Effective June 1, 2008 Prime Rate Index
                                                                                                                     beginning on or after June 1, 2008.
                                                                  minus 0.00% to Prime Rate index plus 7.50%
                                                                                                                     Qualified borrowers will have access to
                                                                  without a cosigner. Interest rates are variable
                                                                                                                     Signature Students loans with variable interest
                                                                  and are adjusted quarterly
                                                                                                                     rates ranging from Libor plus 3.25% to Libor
                                                                                                                     plus 10.5%.
                                                                                                                     Effective for loans disbursements prior
                                                                                                                     to June 1, 2008. 0.00% to 5%
                                                                                                                     disbursement free based on credit review with
                                                                                                                     or without a cosigner.
                 0% to 7% based on the student's or               0% Origination fee for most borrowers based                                                          Absolutely No Origination, Disbursement, or
Fees                                                                                                                             Effective for loans                                                                       0% to 9% based on the student's or cosigner's credit history
                 cosigner's credit history                        on credit approval                                                                                   Repayment Fees.
                                                                                                                     disbursements beginning on or after
                                                                                                                     June 1, 2008. borrower has either 0% in
                                                                                                                     fees or a total of 6%     (3% disb fee and 3%
                                                                                                                     repay fee), depending on students credit.
                                                                                                                                                                                                                           Borrower must be at least 18 years of age (19 in
                                                                                                                                                                                                                           Nebraska and Alabama, 21 in Puerto Rico &
                                                                                                                                                                                                                           Mississippi.) Mississippi residents under the age of 21
                 Student must be enrolled at least half-time in   Must be a U.S Citizen or Permanent Resident.       You must meet credit criteria, must be making     Borrower can be attending school full time,         may borrow with written consent from a parent or
                 a degree or certificate program at a TERI-       Based on school certification and approved         progress toward a degree/program of study.        half-time, or less than half time and qualify for   guardian.
Eligibility      approved school. Minimum age is 18 in all        credit. Minimum age is 18 in all states except,    Minimum age is 18 in all states except,           the Collegiate Loan. This loan can also be          Student must be enrolled at an eligible institution and
                 states except, Alabama (19), Mississippi         Alabama (19), Mississippi (21), Nebraska (19)      Alabama (19), Mississippi (21), Nebraska (19)     used to pay for a past due balance for up to 1      carry a half-time credit load. Enrollment is verified
                 (21), Nebraska (19) and in Puerto Rico (21).     and in Puerto Rico (21).                           and in Puerto Rico (21).                          year from last date of attendance.                  after an application is submitted, as part of the loan
                                                                                                                                                                                                                           approval process.
                                                                                                                                                                                                                           All loans are subject to credit approval.

                                                                                                                                                                                                                   Minimum $500; Maximum 100% of the total Cost of
                                                                                                                     Aggregate Limits Four- and five-year colleges     There's no annual maximum — you can borrow
                 No aggregate loan limits for undergraduate       Minimum $500; Maximum Undergraduate                                                                                                              Education per academic year minus other financial
Loan Amount                                                                                                          $100,000 for undergraduates.*                     up to the cost of education (tuition, rent,
                 students                                         $120,000 for all Student Loans                                                                                                                   aid. with an aggregate lifetime maximum of
                                                                                                                     *Includes all private student loan debt.          books, etc.) minus other financial aid.
                                                                                                                                                                                                                   $250,000.

                                                                  Chase loans do not require payment while in
                                                                  school or during six month grace period.           Six-month grace period when no payments are
Start Date of    Can defer payment while in school for up to      Unpaid interest on the loan while in school will   required immediately following your               Payments begin six months after you leave           There is a 12-month grace period after graduation
Repayment        4 years.                                         be capatalized once the loan enters repayment.     graduation or dropping to less-than-half-time     school or graduate.                                 before loan repayment begins.
                                                                  6 months after Graduation/separation from          status
                                                                  school for Undergraduate


                                                                                                                                                                                                                           The repayment period for all CampusDoor loans is 25
                                                                                                                                                                                                                           years. However, this is subject to the minimum
                                                                  Borrowers can select Immediate repayment of
                 Can defer principal and interest while in                                                           Standard repayment term of 15 years, with the                                                         monthly payment of $50 per account which could
                                                                  Interest Only or Principal and Interest or
Repayment        school, make interest only payments or                                                              option to extend terms (up to 30 years) for   15 year repayment term                                  yield a shorter repayment period on low-balance loans.
                                                                  select to defer repayment until graduation or
                 choose immediate repayment.                                                                         higher aggregate loan balances                                                                        There is no prepayment penalty
                                                                  ceasing to be enrolled.
                                                                                                                                                                                                                           Interest on the CampusDoor School-Certified Student
                                                                                                                                                                                                                           Loan is capitalized only once, upon repayment.


                                                                  No payments required while in school.
                                                                  Combined billing available for all Chase
   Other                                                          serviced loans. Repayment period is up to 20                                                         The Collegiate Loan requires school
Requirements                                                      years for loans up to $30,000 and 25 years for                                                       certification.
                                                                  loans $30,000 and higher.Can not have a prior
                                                                  Bankruptcy or Default on a Student Loan

                                                                                                                                                                       With Wells Fargo Private Loans, students are    Borrowers automatically receive a 0.50% interest rate
                                                                                                                                                                       rewarded for achieving their education goal.    reduction for Auto-debit and 0.50% rate reduction
                                                                                                                                                                       This benefit cannot be taken away for late      after making their first 48 consecutive payments on-
                                                                                                                                                                       payments. Available for Private Loans           time.
                                                                                                                                                                       guaranteed on or after July 1, 2008:            The borrower may request that the cosigner be
                                                                                                                                                                       • Wells Fargo Student Graduation Benefit        released after 36 consecutive on-time payments
                                                                                                                                                                       program interest rate reduction of 0.50% at     (pending the borrower’s approved credit).
                                                                                                                                                                       repayment upon verification of graduation       CampusDoor has never sold any of the loans we have
                                                                                                                                                                       • 0.25% interest rate reduction when Wells      originated. CampusDoor builds a relationship with
                 0.50% interest rate reduction with auto debit    0.25% Interest Rate Reduction for using ACH                                                          Fargo automatically withdraws payments from     each and every one of our borrowers, either directly
                 payments. The interest rate reduction            or auto-debit for repayment. Cosigner release                                                        a personal checking or savings account at       with CampusDoor personnel or with those service
                 remains in effect as long as auto debit          after 36 on time payments. Interest capped at                                                        repayment                                       providers chosen by CampusDoor to assist us in
                 payments continue without interruption.          start of repayment and after periods of                                                              •Life of Loan Servicing - one point of contact  providing
                 Your borrower benefits, rates and fees are       forbearance. Hardship Forbearance available.                                                         from application through final payment.         top-tier service to our customers. Interest rates,
                 locked in for that loan period at the time of    Your borrower benefits, rates and fees are                                                                                                           terms, customer service and borrower benefits will
Borrower
                 the first disbursement of that loan. There is    locked in for that loan period at the time of the none                                               • Combined billing of Federal Stafford, Federal remain as offered by CampusDoor for the life of the
Benefits
                 no guarantee that you will continue to be        first disbursement of that loan. There is no                                                         Graduate PLUS, and Wells Fargo Private Loans. loan.
                 eligible for future loans or receive the same    guarantee that you will continue to be eligible                                                      • Free Wells Fargo College Checking®            CampusDoor also provides GetColleged.com, which
                 benefits, rates and fees for subsequent          for future loans or receive the same benefits,                                                       account, Online Banking, and Bill Pay.          contains tips and resources to help college-bound
                 loans. Borrower benefits are subject to          rates and fees for subsequent loans. Borrower                                                                                                   Your students get into college, get a scholarship, get
                 change at any time prior to disbursement of      benefits are subject to change at any time                                                           borrower benefits, rates and fees are locked in financial aid, and get to college with everything they
                 the loan .                                       prior to disbursement of the loan.                                                                   for that loan period at the time of the first   need to succeed. GetColleged.com walks students
                                                                                                                                                                       disbursement of that loan. There is no          through the entire college planning process from start
                                                                                                                                                                       guarantee that you will continue to be eligible to finish. Students can access resources such as a
                                                                                                                                                                       for future loans or receive the same benefits,  College Planning Calendar for their junior and senior
                                                                                                                                                                       rates and fees for subsequent loans. Borrower years of high school, a college search option, and a
                                                                                                                                                                       benefits are subject to change at any time      college 411 (which explains what to expect during
                                                                                                                                                                       prior to disbursement of the loan .             their freshman year). GetColleged.com also provides
                                                                                                                                                                                                                       a financial aid checklist, financial management advice,
                                                                                                                                                                                                                       and personal finance tools to help students stay on
                                                                                                                                                                                                                       the path to success.
                                                                                                                                                                                                                       To be eligible for a CampusDoor School-Certified
Available to     International students must apply with a
                                                                                                                     Available to international students with an       International students are eligible and require Student Loan, the borrower must be a U.S. citizen (or
Foreign          qualified cosigner. Please contact TERI's     US Citizens and Perm Residents only
                                                                                                                     eligible cosigner                                 a U.S. Citizen cosigner.                        eligible non-citizen holding a valid, unexpired USCIS
Students         customer service at 800-255-TERI for details.
                                                                                                                                                                                                                       form I-151 or I-551).
Wachovia is only available to Argosy Students

Information is as of May 14, 2008 and is subject to change.

				
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