Sallie Mae Education Trust® is dedicated to making affording the school of your dreams a reality.

When you borrow a Parent PLUS Loan from Sallie Mae Education Trust^®, you may be eligible for benefits that reduce your interest rate! Here's how:

• Earn a 0.75 percentage point interest rate reduction by choosing to make payments through automatic debit*
• Earn a 0.50 percentage point interest rate reduction— that starts when you make your first payment on time—with a one-time benefit reinstatement opportunity*
• Borrower benefits are effective for loans serviced by Sallie Mae and first disbursed July 1, 2007 through January 31, 2008. Check back soon for updated information for the remaining 2007/2008 academic year.

And, when you join Upromise^®, 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.

Borrower benefits are effective for loans serviced by Sallie Mae and first disbursed July 1, 2007 through January 31, 2008. Check back soon for updated information for the remaining 2007/2008 academic year.

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America's most popular after-Stafford LoanSM

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.

• 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

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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.

Applying with a cosigner can save you money! If you do not have an established credit history or have a low credit score, you can apply with a cosigner which can help you:

• Get lower interest rates and fees.
  
  
• Qualify for a loan despite a low credit score.