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					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
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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.




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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.




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