Welcome Students

When you choose the AMS^® 0% Origination Fee Stafford Loan with Graduation Bonus^®, you may be eligible to save the 1% default fee, and earn additional benefits that will lower your interest rate, let you earn up to 3% in loan credits, and save you money! Here's how:

Zero Fees:

• 0% origination fee*
• 0% default fee available — Texas Guaranteed Student Loan Corporation (TG) will pay the 1% federal default fee on Stafford Loans that are guaranteed by TG July 1, 2007 through June 30, 2008.

Borrower Benefits:

• Earn a 1.5% loan credit after your first on-time payment*
• Earn a 0.50 percentage point interest rate reduction when you choose automatic debit of your payment from a checking or savings account*
• Earn another 1.5% loan credit after your first 12 on-time payments*
• Earn back the interest on the first-year of your first unsubsidized Stafford Loan*
• When you join Upromise for free, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced student loans by linking your Sallie Mae^® account to your Upromise^® account with Upromise Loan Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise*

*Learn how to earn these benefits

Apply now

When you choose AMS^® as your Parent PLUS Loan lender, you may be eligible for benefits that will lower your interest rate and let you earn a valuable loan credit! Here's how:

0% default fee available — Texas Guaranteed Student Loan Corporation (TG) will pay the 1% federal default fee on Parent PLUS Loans that are guaranteed by TG July 1, 2007 through June 30, 2008.

Borrower Benefits:

• Earn a 0.50 percentage point interest rate reduction—after your first on-time payment— with a one-time benefit reinstatement opportunity*
• Earn a 3.75% loan credit after your first 12 on-time payments*
• When you join Upromise for free, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced student loans by linking your Sallie Mae^® account to your Upromise^® account with Upromise Loan Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise*

*Learn how to earn these benefits

Apply now

When you choose AMS^® as your Grad PLUS lender, you may be eligible for benefits that will lower your interest rate from 8.5% to 6.75%, and let you earn a 3% loan credit! Here's how:

0% default fee available — Texas Guaranteed Student Loan Corporation (TG) will pay the 1% federal default fee on Graduate PLUS Loans that are guaranteed by TG July 1, 2007 through June 30, 2008.

Borrower Benefits:

• Earn a 0.25 percentage point interest rate reduction—for the life of the loan—when your loan is first disbursed*
• Earn a 0.50 percentage point interest rate reduction when you choose automatic debit of your payment from a checking or savings account*
• Earn a 1 percentage point interest rate reduction— after your first on-time payment—with a one-time benefit reinstatement opportunity*
• Earn a 3% loan credit after your first 36 on-time payments*
• When you join Upromise for free, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced student loans by linking your Sallie Mae^® account to your Upromise^® account with Upromise Loan Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise*

*Learn how to earn these benefits

Apply now

For academic year 2007-2008

The Signature Student Loan is a private, credit-based loan funded by Sallie Mae Bank^® or a Sallie Mae^® lender partner. After taking advantage of free money (like scholarships, grants) and low cost federal loans, you may still need money to help you pay for school. That's when you should consider Sallie Mae's private Signature Student Loan.

Paying for Your Education is Easy with Sallie Mae

Start by following Sallie Mae's 1-2-3 approach to paying for school:

• Research available scholarships and other sources of "free money".
• Fill out the FAFSA and apply for federal loans, like Stafford for students and PLUS for parents. Federal loans generally have lower interest rates and have more flexible repayment options. Learn more about federal loans.
• Then, if you still need money, consider the Signature Student Loan. This private loan is available to students—both traditional and adult learners—who are attending school at least half time and working on earning a degree. The Signature Student Loan’s interest rates are tiered so those who manage their credit well or get a creditworthy cosigner may receive the benefit of a lower interest rate.

Apply now

• Interest rates as low as Prime minus 1% with 0% fees (See assumptions.)
• "Super" low interest rate for our most credit savvy borrowers
• 0.50 percentage point interest rate reduction for auto debit *
• Zero fees if both you and your cosigner are credit approved
• No income requirement for student borrowers, and no payment required while in school

And, when you join Upromise^®, you can use your Upromise rewards to help pay down balances automatically on your eligible Sallie Mae-serviced loans by linking your Sallie Mae^® account to your Upromise account with Upromise Loan Link^SM! To learn more, or to join Upromise now, go to www.salliemae.com/upromise.

*Learn how to earn these benefits

Sallie Mae Advantage

We offer you peace of mind so you can focus on your studies and not worry about how you are going to pay for school. From a free database of $15 billion in scholarships…to college savings plans…to low-cost federal loans for students and parents…to affordable private loans…to consolidation and repayment options…Sallie Mae has all the funding options you need for a higher education—from the day you enroll until graduation and beyond.

• Allows you to benefit from Price Advantage
• May qualify you for a better interest rate and zero fees
• Helps student establish credit history
• Cosigner release application available after first 24 on-time payments**** (Terms and conditions)

Cosign now!