Federal Stafford Loan

After seeking out grants and scholarships that don't have to be paid back, consider a Federal Stafford Loan as a low-cost option to help pay for college. Choose us as your lender and you may be eligible for these borrower benefits:

• 0.25 percentage point interest rate reduction for payments made via automatic debit*
• 24 x 7 online account management at www.SallieMae.com/Repayment

*Learn how to earn these benefits.

Apply for a Federal Stafford Loan

Federal Graduate PLUS Loan

After searching out grants and scholarships that don't have to be paid back, then maximizing your Stafford Loan borrowing, consider a low-cost Grad PLUS Loan to help pay for grad school. Choose us as your lender and you may be eligible for these borrower benefits:

• 0.25 percentage point interest rate reduction for payments made via automatic debit*
• 24 x 7 online account management at www.SallieMae.com/Repayment

*Learn how to earn these benefits.

Apply for a Federal Graduate PLUS Loan

The LAWLOANS^® Private Loan^SM from AMS

After exhausting sources of free money (such as scholarships and grants) and applying for federal student loans, you may still need extra funds to cover your education costs. That’s when you should consider the LAWLOANS Private Loan — America’s most popular private student loan and an excellent source of gap financing.

The 2008-2009 LAWLOANS Private Loan^SM features:

• No repayment and disbursement fees
• No income requirement
• Low, credit-based interest rates
• 0.50 percentage point interest rate reduction for payments made via automatic debit¹
• Loan limits that accommodate up to the cost of attendance as certified by your school, less other financial aid received
• No payments required while in school²
• Cosigner release option available after the first 24 consecutive on-time payments of principal and interest³

Aggregate Loan Limit: Borrow as much as you need to pay for your education, up to the cost of attendance as certified by your school less other financial aid.

Eligibility:

• Be a U.S. citizen or non-citizen permanent resident without conditions and with proper evidence of eligibility, or an international borrower applying with a creditworthy U.S. citizen or non-citizen permanent resident.
• Have no student loans that are delinquent or in default.
• Meet established credit criteria.
• Are enrolled in an eligible school at least half-time.

Benefits of Using a Creditworthy Cosigner:

• If you do not have an established credit history, you may want to apply with a creditworthy cosigner because this may increase your chances of approval.
• Even if you have an established credit history, you may be eligible for a lower interest rate if you apply with a creditworthy cosigner.

*Learn how to earn these benefits.

Apply for a LAWLOAN

LAWLOANS Bar Study Loan^® from AMS

AY 2008-2009 LAWLOANS Bar Study Loan^®

The LAWLOANS Bar Study Loan helps finance bar exam costs such as bar review course fees, bar exam deposits and/or fees, as well as living expenses incurred while studying and taking the bar exam.

The Bar Study Loan features:

• No repayment and disbursement fees
• No income requirement
• Low, credit-based interest rates
• 0.50 percentage point interest rate reduction for payments made via automatic debit¹
• Borrow from $1,000 up to $15,000
• Cosigner release option available after the first 24 consecutive on-time payments of principal and interest²

*Learn how to earn these benefits.

Apply for a LAWLOANS Bar Study Loan

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