•2.00% interest rate reduction after the first 48 on-time monthly payment

•0.25% interest rate reduction with automatic draft payment

•1.00% interest rate reduction for Consolidation Loans

Palmetto Assitance:

•Interest rate= LIBOR + 4.5%

•0.00% origination fees

•0.25% interest rate reduction with automatic draft payment

•No payment while in-school

•Flexible repayment options

•Fees Charged*

•Origination fee and default dee are paid by the borrower**

•0.25% automatic interest rate reduction at repayment, valid for remained of loan term***

* Chase will honor / process all FFELP loan applications, subject to existing borrower benefit programs, for loans that are guaranteed prior to June 1, 2008.

** Chase will not pay any portion of the origination or default fees for loans guaranteed on or after June 1, 2008. Some guarantors may still elect to subsidize some, or all, of the default fee.

*** The interest rate reduction applies to loans originated & serviced on the Chase platform only (lender IDs: 803000, 821087, 834059). Loans originated on other platforms will not receive the rate reduction.

•Fees Charged*

•Origination Fee and Default Fee are paid by the borrower**

•0.25% automatic interest rate reduction at repayment, valid for remainder of loan term.***

* Chase will honor / process all FFELP loan applications, subject to existing borrower benefit programs, for loans that are guaranteed prior to June 1, 2008.

** Chase will not pay any portion of the origination or default fees for loans guaranteed on or after June 1, 2008. Some guarantors may still elect to subsidize

some, or all, of the default fee.

*** The interest rate reduction applies to loans originated & serviced on the Chase platform only (lender IDs: 803000, 821087, 834059). Loans originated on other platforms will not receive the rate reduction.

Chase Select:

•Prime – 1.00% for borrower who applies with qualified cosigner.

•Prime – 0.50% for borrower who applies without qualified cosigner.

•0.00% Origination fee.

•0.25% interest rate reduction if enrolled in an auto-debit payment program.

•0% default fee (provided guarantor does not offer this benefit)

•0.25% interest rate reduction during repayment so long as automatic debit is in effect.1

•Up to 3.00% in principal reductions during the first 36 months of repayment. 2

•1% outstanding principal reduction after 12 consecutive payments are made on time.

•Additional 1% outstanding principal reduction after 12 consecutive payments are made on time starting with the 13th payment.

•Additional 1% outstanding principal reduction after 12 consecutive payments are made on time starting with the 25th payment.

Effective immediately, BOA no longer participates in the Alternative Loan program.

*Effective 1/1/2008* •Instant 0.50% savings on federal origination fee

•Instant 1.00% savings with zero default fees when using guarantor that does not charge fee

•Immediate 1.00% rebate deducted principal reduction at disbursement and retained when the first 12 payments are made on time

•Automatic 1.00% principal reduction at disbursment and retained when the first 12 payments are made on time

•0.25% interest rate reduction with auto-debit payments

•Fixed interest rate of 6.00% for Subsidized loans and 6.80% for Unsubsidized loans

· 8.5% fixed interest rate

· 0.25% interest rate reduction with auto-debit payments

· Make no payments while student is in school

· Receive up to the total cost of education, minus other aid

· Multiple repayment options

· No collateral requirements or income limitations

Wachovia Education Loan:

•Prime - 0.50% to Prime + 5% dependent of credit

•Zero fees

•0.50% interest rate reduction with auto-debit payments

•Co-borrower release is available after 48 on-time payments

*Effective for loans disbursed on or after June 9, 2008*

· 0.25% interest rate reduction for borrowers who sign up for ACH

*Effective for loans disbursed on or after June 9, 2008*

· 0.25% interest rate reduction for borrowers who sign up for ACH

Academic Answer:

•Exclusive SunTrust Graduation Reward- $300 principle reduction per lon with proof of graduation (Get one Academic Answer loan per year for 4 years and receive a $1200 prinicple reduction)

•0.25% interest rate reduction for automatic payments for checking or savings account

•Interest rates as low as the LIBOR Rate + 2.5%. As of March 1, 2008, the LIBOR Rate was 3.125%!

•Payments can be deferred

•Forbearance options are available