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Citibank Resume document sample
Document Sample
Contact Information for Lenders
Providers of Stafford, Grad Plus and Private Lender Loans
Brand Name
Name of Program Access Group Bank of America Chase Medical Education Program
and Address 5500 Grandwine Parkway 600 Wilshire Boulevard, 4th Floor P.O. Bpx 64080
Wilmington, DE 19803 Los Angeles, CA 90017 St. Paul, MN 55164
Loans Available
Stafford YES YES YES
Grad Plus YES YES YES
Private Lender YES YES YES
International YES YES YES
Loan Consolidation YES YES YES
Lender Name and Address
(If Different the Brand Name) Bank of America Student Lending Chase (J.P. MorganChase Bank, N.A.)
600 Wilshire Boulevard, 4th Floor 1 E Ohio Street
Los Angeles, CA 90017 IN1-0104
Indinapolis, In 46277
Servicer
Servicer's Name Access Group Loan Servicing ACS Great Lakes Education Loan
and Address P.O. Box 15249 2277 East 220th Street Servicingt, Inc
Wilmington, DE 19850-5249 Long Beach, CA 90810 P.O. Box 7858
1st time borrower after 7/1/2004 Madison, Wi 53707-7858
Kentucky Higher Education Student Loan
Corporation (KHESLC)
The Student Loan People (KHESLC)
P.O. Box 24328
Louisville, KY 40224-0328
1st time borrower before 7/1/2004
Assigned School Representative
Name Ann Roberts/Kim Siwarski Dave Kelly Stacey MacPhetres
FAO Contact 800-227-2151 Ann, Ext 4085, Kim Ext 4089 800-344-8382 option 2 877-767-2633
Telephone Number
Student Contact 800-282-1550 800-344-8382 877-744-2633
EDE code
Stafford 808851 824421 831144
GradPlus 808851 824421 831144
Loan Consolidation 808851 824421 803000
Web Site
Web Address www.accessgroup.org www.bankofamerica.com/studentloans www.ChaseStudentLoans.com/medical
Brand Name
Name of Program CitiBank CollegePayWay Key Education Resources
and Address 701 East 60th Street, North A College Solutions Network Company Key Bank
Sioux Falls, SD 57117 33 Bassett Lane 745 Atlantic Avenue
Hyannis, MA 02601 Boston, MA 02111
Loans Available
Stafford YES YES YES
Grad Plus YES YES YES
Private Lender YES YES YES
International YES YES NO
Loan Consolidation YES YES YES
Lender Name and Address
(If Different the Brand Name) Bank of New Yor as Trustee for College
Solutions Network, LLC-LID
834158
Servicer
Servicer's Name CitiBank Great Lakes Higher Educaiton Great Lakes Higher Educaiton
and Address 701 East 60th Street, North Guaratnee Group Guaratnee Group
Sioux Falls, SD 57117 2401 International Lane 2401 International Lane
Madison, WI 53704-3192 Madison, WI 53704
Assigned School Representative
Name David Budkins, Concepta Williamson Chuck Courtemanche Chris Earnshaw
FAO Contact 203-975-6948, 631-723-1483 508-957-0444 518-280-0487
Elsie O'Dell 585-248-7857 or Key School & Client Services Dept
Priority Service 800-846-1290 800-540-1855
Telephone Number
Student Contact Customer Service - 800-967-2400 877-472-9929 800-539-5363
EDE code
Stafford 826878 834158 813760
GradPlus 826878 834158 813760
Loan Consolidation 826878 834158 813760
Web Site
Web Address www.studentloan.com www.collegepayway.com www.key.com/educate
Brand Name
Name of Program Sallie Mae Sallie Mae Total Higher Education (T.H.E.)
and Address 12061 Bluemont Way P.O. Box 64722
Reston, VA 20190 St. Paul, MN 55164
Loans Available
Stafford YES YES YES
Grad Plus YES YES YES
Private Lender YES YES YES
International YES YES NO
Loan Consolidation YES YES YES
Lender Name and Address
(If Different the Brand Name) MedLoans Sallie Mae
Servicer
Servicer's Name Sallie Mae Servicing Sallie Mae Servicing Great Lakes Higher Educaiton
and Address Guaratnee Group
P.O. Box 3059
2401 International Lane
Madison, WI 53704
Assigned School Representative
Name Anthony Gallonio Anthony Gallonio Diane Murakami
FAO Contact 401-787-7533 401-787-7533 888-843-3097
Telephone Number
Student Contact 1-800-858-5050 1-800-858-5050 888-843-3095
EDE code
Stafford 522583 522583 876529
GradPlus 522583 522583 876529
Loan Consolidation 876529
Web Site
Web Address www.salliemae.com www.salliemae.com www.theloanprogram.org
Stafford Lenders
LOAN TYPE Access Bank of America CitiBank T.H.E.
TERMS
Eligibility Requirements
US. Citizen or permanent resident US. Citizen or permanent resident US. Citizen or permanent resident US. Citizen or permanent resident
Must have a Social Security Number Must have a Social Security Number Must have a Social Security Number Must have a Social Security Number
Enrolled in a degree program Enrolled in a degree program Enrolled in a degree program Enrolled in a degree program
Attending at lease half time Attending at lease half time Attending at lease half time Attending at lease half time
making satisfactory academic progress making satisfactory academic progress making satisfactory academic progress making satisfactory academic progress
must not have borrowed the maximum loan limit must not have borrowed the maximum loan limit must not have borrowed the maximum loan limit must not have borrowed the maximum loan limit
must not be in default on educational loans must not be in default on educational loans must not be in default on educational loans must not be in default on educational loans
must not owe on educational grants must not owe on educational grants must not owe on educational grants must not owe on educational grants
Minimum loan amount $100.00 $100.00 $50.00
Loan Limits*
Graduate/Professional
Annual $20,500 $20,500 $20,500 $20,500
Aggregate $139,500 $139,500 $139,500 $139,500
$20,500 $20,500 $20,500 $20,500
$139,500 $139,500 $139,500 $139,500
Grace Period 6 months after graduation 6 months after graduation 6 months after graduation 6 months after graduation
Interest Rates
How is interest Rate Calculated Federal Federal Federal Federal
What is current Interest Rate?
In School 6.8% 6.8% 6.8% 6.8%
In grace 6.8% 6.8% 6.8% 6.8%
At repayment 6.8% 6.8% 6.8% 6.8%
In Repayment 6.8%* 6.8% 6.8% 6.8%
Interest Accrues
In School Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan
In Grace Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan
Deferment** Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan
Forbearance Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan Unsubsidized Portion of Loan
Interest Capitalized
At Graduation NO NO NO NO
At Repayment YES YES YES YES
Loan Fees
Origination Fees 0% 0% 0% 0%
Default Fees 0% 0% 0% 0%
Separation Fee/Back End Fees 0% 0% 0% 0%
In Repayment 0% 0% 0% 0%
Repayment
Begins 6 months after graduation or 6 months after graduation or 6 months after graduation or 6 months after graduation or
student not longer at least half time student student not longer at least half time student student not longer at least half time student student not longer at least half time student
Years to Repay up to 10 years up to 20 years up to 10 years up to 25 years
Special Consideration
Bonus NO NO NO
Borrower Benefits (Payment Incentives) YES NO YES
Interest Rate Reduction YES YES NO
Refund Loan Fees after disabused NO NO NO
Other (Explain) NA NO NO
Credit Check
Credit Check Required NA NA NA NO
When NA NA NA NA
By Lender NA NA NA NA
By Gurantor/Servicer NA NA NA NA
Co-Signer Information
Co-Signer Requirement NA NA NA NA
Do you require a co-signer? NA NA NA NA
Can you have a co-signer removed? NA NA NA NA
Selling Loans
Do you sell your loans? No No No
If yes, when do you sell your loans? NA NA NA
If you sell your loans, will the new
owner of the loan protect/keep the
same Terms and condition you
currently have on the loan? NA NA NA NA
Other Information
Deferments Economic Hardship Economic Hardship Economic Hardship Economic Hardship
Forbearance Medical Residency Medical Residency Medical Residency Medical Residency
Minimum Payment $50 Monthly $50 Monthly $50 Monthly $50 Monthly
4d69b153-e2d2-4d6d-bc8f-e908cd29473b.xls/12/13/2010/
Stafford Lenders
LOAN TYPE Access Bank of America CitiBank T.H.E.
TERMS
Online Application Yes Yes Yes Yes
E-signature Yes Yes Yes Yes
Prepayment Penalty NO NO NO NO
Payment Options YES YES YES YES
Electronic Funds Transfer YES YES YES YES
Relocation/Residency Loan
Combined Billing Available YES NO YES YES
Federal Consolidation Available YES YES YES YES
Private Consolidation Available NO NO NO NO
* Subsidized Stafford does not exceed $8,500
Note: On any Loan, if you use your grace period and go into repayment the interest will capitalize. If you then defer the loan because you returned to school or received a deferment or forbearance, the loan will accrue interest until you
go into repayment again. At that time the interest will capitalize again.
Borrower Benefits
Percentage of Borrowers 20.67% over 95%
that receive your borrower
benefits. (Do not include
Origination or Default Fee Waivers)
* 100% of all students receive the automatic interest rate reduction at repayment
* We estimate that 15% of Stafford Loan borrowers will enroll in auto debit and will earn this
incentive for responsible repayment.
Are Borrower Benefits UP Front Both Both Both upon entering repayment
or After the student enters Origination and Default fees are paid Origination and Default fees are paid
repayment? UP Front and UP Front and
interest rate reductions are interest rate reductions are
after the student goes into after the student goes into
repayment repayment
How long does it take for a on time interest reduction takes upon entering repayment
Student to qualify for the place once first on time scheduled
Borrower Benefits? monthly payment is made Rate reduction benefits immediately at repayment
auto debit reduction takes auto debit reduction takes
place when borrower place when borrower
initiates the electronic initiates the electronic
payment payment
How can the student earn on time payments Automatic
borrower benefits? auto debit program auto debit program
Automatic interest rate reduction at repayment – all students automatically qualify for this
benefit immediately at repayment.
Interest rate reductions for enrollment in auto-debit – students must enroll in Citibank’s E-Z
Pay auto-debit service to receive this benefit.
Zero payments for the last six months – students must continue to make on-time payments
to receive this benefit.
4d69b153-e2d2-4d6d-bc8f-e908cd29473b.xls/12/13/2010/
Stafford Lenders
LOAN TYPE Access Bank of America CitiBank T.H.E.
TERMS
How can a student loose a late payment Two insufficient funds bounce If more than 60 days past due
borrower Benefit? auto debit has insufficient funds
auto debit has insufficient funds Automatic interest rate reduction at repayment – Cannot lose benefit.
Can the student get the yes, this is a one time option Yes Yes As soon as account is current
borrower benefit back?
If lost benefit because of insufficient
funds, the benefit can not
be reinstated
Interest rate reductions enrolled in Citibank’s E-Z Pay auto-debit service can receive benefit
If the student can get the if they make 12 consecutive back must enroll and stay enrolled. get account current
borrower benefit back, How? monthly payment on time
Zero payments for the last six months – A student may regain the benefit by subsequently
making 24 consecutive on-time payments. The benefit can be recovered unlimited times
during the life of the loan.
What are the borrower benefits
• No fees! Access Group pays the 2% origination fee
on behalf of the borrower
• Access Group also pays the 1% federal default fee on
behalf of the borrower
• 0.8% interest rate reduction at repayment for on-time • 0% origination fees
payments • 0% federal default fee Zero Fees – with no origination and federal default fees, all students automatically save
3.00% up front.
• 0.25% interest rate reduction for auto-debit payments •2% i.r.r. w/ach 1.00% automatic interest rate reduction - at repayment for all students.
• Online application with 0.25% interest rate reduction - for students who have their loan payments automatically
e-signature withdrawn through Citibank’s E-Z Pay auto-debit.
Zero Payments for the Last Six Months
• Combined billing with other Access Group loans New! Benefit Recovery Feature:
• Flexible repayment options If a parent loses their automatic interest rate reduction benefit due to late or delinquent
payments, they will now have the ability to earn it back. A parent may regain the benefit by A T.H.E. Repayment Bonus at the annualized rate of 1.3% beginning when the loan enters repayment and continuing
• Life of loan servicing subsequently making 24 consecutive on-time payments. The benefit can be recovered as long as payments are less than 60 days past due. The Bonus will resume when the account is brought current. See
unlimited times during the life of the loan. the bonus page of our web site for terms and conditions.
4d69b153-e2d2-4d6d-bc8f-e908cd29473b.xls/12/13/2010/
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