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diff --git a/debian/htdig/htdig-3.2.0b6/test/htdocs/set1/site4.html b/debian/htdig/htdig-3.2.0b6/test/htdocs/set1/site4.html new file mode 100644 index 00000000..a32e4f98 --- /dev/null +++ b/debian/htdig/htdig-3.2.0b6/test/htdocs/set1/site4.html @@ -0,0 +1,808 @@ +<HTML> +<HEAD> + <TITLE>FinAid | Loans | Private Loan Lenders (Graduate)</TITLE> +<? +include ("script-loans.html"); +?> +<meta name="DATE" content="1972-01-01"> +</HEAD> + +<BODY BGCOLOR="#FFFFFF" TEXT="#666666" LINK="#006699" VLINK="#6699CC" ALINK="#FFFFFF" TOPMARGIN="8" LEFTMARGIN="8" MARGINHEIGHT="8" MARGINWIDTH="8"> + +<!-- PHP code to include header file. File referenced may vary by section --> +<? +include ("header-loans.html"); +?> +<CENTER> +<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="600"> + <TR> + <!-- 10 pixel spacer row between left edge and nav --> + <TD WIDTH="18"> </TD> + + <!-- PHP code for navigation. File referenced may vary by section--> + <TD WIDTH="141" VALIGN="TOP"> + <? + include ("nav-loans.html"); + ?> + </TD> + + <!-- 10 pixel spacer row between nav and content--> + <TD WIDTH="10"> </TD> + + <!-- content goes in here --> + <TD WIDTH="421" VALIGN="TOP"><BR><FONT FACE="ARIAL, HELVETICA" SIZE="3" CLASS=three><B>Additional Lenders Who Offer Private Loans to Graduate Students</B></FONT><P> + <FONT FACE="ARIAL, HELVETICA" SIZE="2" CLASS=two><TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0"> + <TR> + <TD><IMG SRC="/commonimages/corner_topleft.gif" WIDTH=11 HEIGHT=11 ALT="" BORDER="0"></TD> + <TD BGCOLOR="#CCFFFF"><IMG SRC="/commonimages/corner_bottomright.gif" WIDTH=11 HEIGHT=11 ALT="" BORDER="0"></TD> + <TD><IMG SRC="/commonimages/corner_topright.gif" WIDTH=11 HEIGHT=11 ALT="" BORDER="0"></TD> + </TR> + <TR> + <TD BGCOLOR="#CCFFFF"> </TD> + <TD BGCOLOR="#CCFFFF"><FONT FACE="ARIAL, HELVETICA" SIZE="3" CLASS=three><B>NATE: Remove this cell</B></FONT><BR> + <FONT FACE="ARIAL, HELVETICA" SIZE="2" CLASS=two>Access Group<BR> + + </FONT></TD> + <TD BGCOLOR="#CCFFFF"> </TD> + </TR> + <TR> + <TD><IMG SRC="/commonimages/corner_bottomleft.gif" WIDTH=11 HEIGHT=11 ALT="" BORDER="0"></TD> + <TD BGCOLOR="#CCFFFF"><IMG SRC="/commonimages/spacer.gif" WIDTH=1 HEIGHT=1 ALT="" BORDER="0"></TD> + <TD><IMG SRC="/commonimages/corner_bottomright.gif" WIDTH=11 HEIGHT=11 ALT="" BORDER="0"></TD> + </TR> + </TABLE> + + +& " < > (See the separate list of private loans for <a +href="privateunder.phtml">undergraduate students</a>)<P> + +<A HREF="http://www.accessgroup.org"><B>Access Group</B></A><BR> + +français +Québec + +The Access Group is a nonprofit organization dedicated to providing +access to education through affordable financing and related +services. The Access Group provides federal and private loans to +graduate and professional students. The Access Group offers the +following loan programs of interest to graduate and professional +students: + +<UL> +<LI>Federal Stafford Loan (Subsidized and Unsubsidized) +<LI>Law Access Loan and Bar Examination Loan +<LI>Business Access Loan +<LI>Medical Access Loan and Medical Residency Loan +<LI>Dental Access Loan and Dental Residency/Board Exam Loan +<LI>Graduate Access Loan +</UL> + +<EM>Key Eligibility Requirements:</EM> Among other requirements, +borrowers must be a US citizen, national or eligible noncitizen, must +not be in default on any education loan or owe a refund on an +education grant (Federal loan only), and must be attending an +approved, accredited school. <P> + +<EM>Loan Limits:</EM> All Access Group loans have a minimum loan +amount of $500. Loan maximums vary by program, and are generally +limited to the cost of attendance less other aid received, though +there may be other limits depending on enrollment status and +school. Maximums include all outstanding undergraduate and graduate +educational debt. The aggregate limits are $120,000 for Graduate +Access and Business Access, $130,000 for Law Access (including Bar +Examination Loan), $195,000 for Medical Access (including the Medical +Residency Loan) and Dental Access (including the Dental +Residency/Board Examination Loan). <P> + +<EM>Interest Rates:</EM> Interest may be deferred while the borrower +is in school. Deferred interest is capitalized once, at +repayment. Interest rates vary quarterly, and are based on the 91-day +T-bill rate plus a spread. The spreads are 2.5% for Medical Access, +2.75% for Dental Access, 2.9% for Law Access, 3.0% for Business +Access, and 3.4% for Graduate Access. <P> + +<EM>Loan Fees:</EM> The guarantee fee for Access Group private loans +is 6.0% at disbursement for all borrowers. A supplemental guarantee +fee is added to the principal balance immediately prior to +repayment. This fee is significantly determined by the borrower's past +credit behavior and ranges from 1.5% to 6.9%. (For any loan for which +a cosigner is required, the supplemental guarantee fee is 6.9%.) <P> + +<EM>Repayment:</EM> Repayment begins 9 months after graduation or when +enrollment status drops below half-time. Borrowers may take up to 20 +years to repay the loan. The minimum monthly payment is $50. There is +no penalty for prepayment. <P> + +To apply for a loan, or for more information on any Access Group +product or service, call the Access Loan Line at 1-800-282-1550 +weekdays 9-8 ET. Use the new online loan application or place an order +for a paper application using the materials order form. You can also +fax 1-302-477-4080, write to the Access Group, 1411 Foulk Road, Box +7430, Wilmington, DE 19803-0430, or send email to <A +HREF="mailto:general@accessgroup.org">general@accessgroup.org</A>. <p> + + +<A HREF="http://www.nhelp.net"><B>College Funding Company</B></A><BR> + +College Funding Company is a coalition of four Nebraska nonprofit +organizations involved in educational financing. CFC's "Flexible +College Funding Loan" is available to parents of undergraduate and +graduate students. The term of the loan is up to 15 years, and it +offers an in-school interest-only repayment plan in addition to a +standard repayment plan in which interest and principal payments begin +upon disbursement. The interest rate is prime plus 1.5% (prime plus +1.75% during any interest-only payment periods). Parents may borrow up +to the full cost of education less any financial aid received, with a +cumulative limit of $100,000 plus fees. The minimum loan amount is +$1,000. <P> + +For more information, call 1-800-745-6646, send email to <a +href="mailto:loaninfo@nebfef.com">loaninfo@nebfef.com</a>, or use the +contact form on their website. <P> + +<A HREF="http://www.citibank.com/student/CSLC.html"><B>Citibank Student +Loans</B></A><BR> + +Citibank offers a variety of private graduate student loans, including: + +<UL> +<LI>Citibank GradAssist Loan +<LI>Citibank MBAAssist Loan +<LI>Citibank MedicalAssist Loan (allopathic or osteopathic medicine) +<LI>Citibank EngAssist Loan +<LI>Citibank Nursing Loan +</UL> + +The eligibility requirements require borrowers to be US citizens or +permanent residents. International students can apply if they have a +US citizen or permanent resident cosign the loan. Borrowers must also +meet certain credit criteria and income standards. These loans are +only available at accredited schools with a federal default rate of +less than 15%. <P> + +All of the loans have a minimum loan amount of $500. Annual maximums +are $15,000 for the GradAssist and MBAAssist loans, $20,000 for the +MedicalAssist Loan, and $8,500 for the EngAssist and Nursing +loans. Cumulative maximum limits include the Citibank loans and are +$100,000 for the GradAssist and MBAAssist loans, $135,000 for the +MedicalAssist Loan, and $80,000 for the EngAssist and Nursing +loans. <P> + +Interest may be deferred while the borrower is in school. Deferred +interest is capitalized once, at repayment. Interest rates are based +on 91-day T-bill rates plus a spread. The rates for the GradAssist +Loan are T-bill plus 4.00% before repayment and T-bill plus 4.50% +during repayment. The rates for the MBAAssist loan are T-bill plus +3.40% and T-bill plus 4.25%. The rates for the MedicalAssist loans are +T-bill plus 2.60% and T-bill plus 2.85%. The rates for the EngAssist +loan are T-bill plus 3.25% and T-bill plus 3.50%. The rates for the +Nursing loan are T-bill plus 3.50% and T-bill plus 4.00%. <P> + +The guarantee fee is 6.00% at disbursement if the loan is borrowed +with a cosigner, 9.00% if there is no cosigner. The guarantee fee for +MBAAssist and MedicalAssist Loans is 8.50%. <P> + +Repayment for all loans begins 6 months after graduation or when +enrollment status drops below half-time. You have up to 15 years to +repay the loan, 20 years for MedicalAssist loans. MedicalAssist +borrowers may request a second deferment for residency and internship, +and have the option of paying three years interest-only upon enterring +repayment. The minimum monthly payment is $50. There is no penalty for +prepayment. <P> + +Fluctuations in interest rate are reflected in the length of the +repayment term, not in the monthly payment amount, unless an increase +in monthly amount is needed to keep the payment period within the +program maximum. Citibank offers three repayment options: + +<UL> +<LI>Pay interest-only during the in-school and 6 month grace period. +<LI>Pay 15 years of principal and interest, capitalizing the interest during the in-school period. +<LI>Pay two years of interest-only plus 13 years of principal and interest, capitalizing the interest during the in-school period. +</UL> + +For more information, call 1-800-692-8200 x144 (1-800-846-1298 TDD), +fax 1-716-248-7007, write to Citibank (NYS) Student Loans, PO Box +22948, Rochester, NY 14692. Graduate students may call +1-800-967-8677. <P> + + +<A HREF="http://www.educap.org"><B>Educap Inc.</B></A><BR> + +Educap Inc., (formerly known as University Support Services, Inc.), is +a non-profit corporation founded in 1986. They offer several loan +programs:<P> + +<A HREF="http://www.educap.org/plato.htm">The P.L.A.T.O. student loan +program</A>, which lets you borrow from $1,500 up to $25,000 a year +with a $100,000 cumulative borrowing limit. The loan can be used to +pay educational expenses incurred during the previous year in addition +to expenses from the current year. Up to $5,000 can be borrowed for +purchasing a personal computer. The loan has a repayment term of up to +15 years with no prepayment penalty. If the student does not earn +$15,000 per year, a co-signer will be required. Students have the +option of deferring payments of principal for up to five years or +graduation, whichever comes first. The interest rate is the Prime rate +plus a 1.90% spread during the in-school period and the Prime rate +plus a 2.90% spread during repayment. There is an 8% origination +fee. US citizenship or permanent residency is required. A good credit +history is also required. They also offer an introductory rate of 7.9% +with a 7% origination fee. <P> + +<A HREF="http://www.educap.org/merlin.htm">The Merlin loan +consolidation program</A>, which lowers monthly loan payments by as +much as 45% by using a 20 year repayment period. You can consolidate +between $5,000 and $100,000 in loans, and you can borrow up to an +additional $25,000 in student loans. There is no prepayment +penalty. US citizenship or permanent residency required. The Merlin +Consolidation Loan program can be used to consolidate all +education-related debt to include both private and US federal loans +and credit card debt. There is a 5% origination fee and the interest +rate is the Commercial Paper Rate plus 6.0%. <P> + +<A HREF="http://www.educap.org/pj.htm">The P.L.A.T.O. Junior Education +Loan</A>, which is similar in structure and requirements to the +P.L.A.T.O. loan, but is aimed at families with students in private +schools grades K-12. The main difference is an interest rate of prime +plus 3.7% and a 6% origination fee. <P> + +For more information, call 1-800-230-4080, write to Complete Source +for Financing Education, 205 Van Buren Street, Suite 200, Herndon, VA +22070, or send email to <<A +HREF="mailto:ussinfo@aol.com">ussinfo@aol.com</A>. <P> + + +<B>Education Funding Services, Inc. (EFS)</B><BR> + +In conjunction with <A HREF="http://www.teri.org">TERI</A>, EFS offers +the Chiroloan for chiropractic study (Canadian Chiroloan for Canadian +citizens attending ACC accredited chiropractic institutions in US), +the OpLoan for optometry, and the VLoan for veterinary school. <P> + +The Chiroloan program lets the student borrow from $1,000 to $8,000 +annually. The OpLoan and VLoan programs let the student borrow from +$1,500 to $20,000 annually. The Canadian Chiroloan programs let the +student borrow from US$1,000 to US$10,000 annually. <P> + +The Chiroloan, OpLoan, and VLoan programs have a variable interest +rate based on the 91-day T-Bill rate plus 2.5% during the in-school +period and the 91-day T-Bill rate plus 2.9% during repayment. The +Canadian Chiroloan program has a variable interest rate of Prime plus +1.5% during in-school and deferment periods, and Prime plus 2% during +repayment. <P> + +The term of all four loan programs is up to 20 years, with a $50 +minimum monthly payment. Except for the Chiroloan program, which has +an in-school deferment period of 5 consecutive years, all of the +programs have an in-school deferment period of 4 consecutive years, +with interest capitalized at graduation. Repayment begins 12 months +after graduation or withdrawal from school. All loans have +interest-only and interest and principal payment options for the +in-school period. <P> + +The Chiroloan has a $10 application fee and a 10% guarantee fee (6% +with cosigner). The Canadian Chiroloan program has a $10 application +fee and an 11% guarantee fee. The VLoan and OpLoan have no application +fees, but a guarantee fee of 6% at disbursement and 1% at +repayment. For schools with high default rates, the guarantee fees are +7% and 2%, respectively. <P> + +For more information about these programs and a list of participating +schools, contact EFS at 1-800-252-2041. <P> + +<B>International Health Education Loan Program (IHELP) </B><BR> + +The IHELP loan program provides loans for US graduate health +profession students who are studying outside the US for an MD or +DVM. US citizenship or permanent residency is required. Non-citizens +must submit valid INS 151 or INS 551 forms with their +applications. <P> + +The IHELP program lets students borrow from $1,500 to $15,000 per +year, with an aggregate limit of $75,000. The interest rate is the +91-day T-Bill rate plus 3.5% during the in-school and repayment +periods. There is a 10.5% guarantee fee. <P> + +Repayment begins 12 months after graduation. There is a 4-year +deferment period for medical students and a 1-year deferment period +for veterinary students during residency. The term of the loan is up +to 20 years, with a $50 minimum monthly payment. <P> + +This loan program is administered by International Education Finance +Company (IEFC), division of Education Funding Services, +Inc. (EFS). IHELP federal loans are guaranteed by USA Funds and IHELP +alternative loans by TERI. <P> + +For more information, call 1-800-255-TERI (1-800-255-8374), write to +The Education Resources Institute (TERI), 330 Stuart Street, Suite +500, Boston, MA 02116-5237, or send email to <A +HREF="mailto:custserv@teri.org">custserv@teri.org</A>. Customer +service is x4210, school relations is x4262, lender relations is +x4218, claims and collections is x4270, and loan origination is x4287 +(fax 1-617-695-3637). Financial aid administrators should call +1-800-TERI-FAO (1-800-837-4326) or 1-617-422-8800. <P> + + +<A HREF="http://www.keybank.com/educate/key_other.html"><B>Key +Education Resources</A></B><BR> + +Key Education Resources offers several private loan programs for +graduate and professional students:<P> + +<A HREF="http://www.keybank.com/educate/dental.html">Alternative +DEAL</A>(DEAL = Dental Education Assistance Loan), a private loan for +students pursuing dental or post-doctoral dental degrees. Repayment +may be deferred during school and a 24-month grace period by +capitalizing the interest, and the borrower may choose an optional +interest-only repayment for the first three years. <P> + +<A HREF="http://www.keybank.com/educate/med_ach.html">MedAchiever</A>, +a private loan for full-time students pursuing allopathic or +osteopathic medical degrees. Repayment may be deferred during school +and a 48 month grace residency/intership period by capitalizing the +interest, and the borrower may choose an optional interest-only +repayment for the first three years. <P> + +<A +HREF="http://www.keybank.com/educate/grad_ach.html">GradAchiever<</A>, +a private loan for full-time graduate students in most fields of +study. Repayment may be deferred during school and for a 9 month grace +period after graduation by capitalizing the interest. <P> + +<A HREF="http://www.keybank.com/educate/mba_ach.html">MBAchiever</A>, +a private loan program for full time graduate business +students. Repayment may be deferred during school and for a 9 month +grace period after graduation by capitalizing the interest. <P> + +LawAchiever, a private loan program for any student attending an +ABA-approved law school at least half-time pursuing a J.D., J.S.D., +LL.M., or joint degree program. <P> + +There is an aggregate loan limit of $130,000. The interest rate is the +91-day T-Bill rate plus 3.25% during the in-school and grace period, +and the 91-day T-Bill rate plus 2.50% to 3.25% during repayment +depending on the borrower's choice of payment plans. There are loan +fees of 6% at disbursement and up to 3% at repayment. All loan +payments are deferred during the in-school period and for 9 months +after graduation. There is no penalty for prepayment. Each month the +borrower may choose a payment tied to a 10, 15, or 25 year repayment +schedule, with shorter repayment periods having a lower interest +rate. (The 10, 15, and 25 year interest rates are the 91 day T-Bill +rate plus 2.50%, 2.90%, and 3.25%, respectively.) The Select/2 +Repayment Option allows students to make interest-only payments for +the first two years, followed by principal and interest payments for +the balance of the loan term. Students who have their monthly payment +automatically debited from their checking or savings account are +eligible for an additional 0.25% reduction in the interest rate. Key +Education Resources is the largest educational lender to law schools. +The annual loan limit for these loans is the cost of education less +other financial aid received ($7,500 for LawAchiever BarLoan). For +more information, call 1-800-KEY-LEND or send email to Key Education +Resources at <A +HREF="mailto:EducationRes@KeyBank.com">EducationRes@KeyBank.com</A>. <P> + + + +<A HREF="http://www.iefc.com/islp.html"><B>International Student Loan +Program (ISLP)</B></A><BR> + +ISLP is an alternative loan program for US students studying abroad or +enrolled at foreign colleges or universities. It is also available to +international students for study in the US with a US citizen or +permanent resident as co-signer. The program for US students combines +FFELP (Stafford and PLUS) loans with supplemental loan financing into +single package.<P> + +Graduate students may borrow up to the full cost of education, +including tuition, fees, and room and board, subject to a $15,000 +maximum. The minimum loan amount is $1,000 per academic year for US +students, $2,000 per academic year for international +students. Students may take up to 25 years to repay the loan (20 years +for Canadian students). There is a $50 minimum payment and some +deferment provisions.<P> + +The interest rate is variable, and is pegged to the prime lending +rate. There are different interest rates and fees depending on whether +the student is engaged in a study abroad program or is actually +enrolled at a foreign institution. For study abroad programs the +interest rate is the prime rate and there is a 9% guarantee fee. For +graduate students enrolled in a foreign school the interest rate is +the prime rate plus 0.25%, and there is a 10% guarantee fee and a 0.5% +origination fee. For Canadian students the interest rate is the prime +rate plus 1.5%, and there is a 7% guarantee fee with co-signer or a 9% +guarantee fee at disbursement and a 2% guarantee fee at repayment +without a co-signer. For international students the interest rate is +the prime rate and there is a 6% guarantee fee.<P> + +For more information, call 1-617-696-7840, fax 1-617-698-3001, write +to Joe Cronin, VP/IEFC, 424 Adams Street, Milton, MA 02186, or send +email to <A HREF="mailto:iefc@aol.com">iefc@aol.com</A>. <P> + + + +<A HREF="http://www.mefa.org"><B>Massachusetts Educational Financing +Authority (MEFA)</B></A><BR> + +MEFA is a not-for-profit state authority that provides college +financing for students attending Massachusetts colleges and +universities. They offer some of the lowest cost college loans +available, including GEL, a fixed rate graduate education loan program +available at many participating Massachusetts colleges and +universities (7.65% for the 1996-97 academic year), and PRISM, a fixed +rate international student loan program for students from Canada or +Argentina attending one of 65 participating schools in +Massachusetts. <P> + +MEFA is able to offer one of the lowest interest rates on their loans +because they are non-profit and exempt for federal and state +tax. Students can borrow up to the full cost of education. These loans +have a term of up to 15 years and there is no penalty for +prepayment. Payments may be deferred while the student is in school +for a maximum of three years. The interest can be made tax-deductible +through their Home Equity Option. <P> + +For more information about MassPlan, GEL, or U.Plan, call +1-800-449-MEFA (6332) or 1-617-261-9760. For more information about +PRISM, call 1-800-842-1531 or 1-617-261-9760, or fax +1-617-261-9765. You can also write to MEFA, 125 Summer Street, Boston, +MA 02110. <P> + +<A HREF="http://www.medfunds.com"><B>MedFunds</B></A><BR> + +MedFunds is a not-for-profit lender of Stafford, HEAL, and alternative +loans for students in various medical curriculums. They are a division +of the Ohio College of Podiatric Medicine. <P> + +The MedFunds Alternative Gradute Loan is offered for graduate students +in Allopathic, Dentistry, Pharmacy, Podiatry, Physical Therapy, Public +Health, Occupational Therapy, Optometry, Osteopathy, Veterinary, +Nursing, Nutrition, and Physician's Assistant disciplines. The +eligibility requirements include a credit check and the debt-to-income +ratio for all applicants as a group must not exceed 40% after +including the loan. Debt includes a percentage of credit lines on +credit cards, regardless of the current balance. The loans are +restricted to US citizens, nationals, and permanent residents, and the +student must also have applied for a MedFunds Stafford Loan. Students +may borrow from $1,000 up to the cost of education or $20,000, +whichever is less, with a cumulative maximum of $80,000. There is an +aggregate education debt limit of $152,500 with the Medfunds +Option. (The MedFunds Option allows students to borrow an additional +$10,000 during the final year of graduate studies to cover internship +and residency interviewing and relocation costs.) Repayment begins 9 +months after graduation or when the student's enrollment status drops +below half-time. An additional deferment of up to four years is +available for residency and internship. Interest is capitalized once, +at repayment. The interest rate is based on the 91 day T-bill rate +plus a spread. The spread is 2.4% before repayment and 2.7% during +repayment. The guarantee fee is 6.00% at origination, plus an +additional 3% at repayment if there is no cosigner. The term of the +loan is up to 20 years, and there is no penalty for prepayment. <P> + +For more information, call 1-800-665-1016, fax 1-216-231-0453, write +to MedFunds, 10515 Carnegie Avenue, Cleveland, OH 44160, or send email +to <A HREF="mailto:ccorr@ocpm.edu">ccorr@ocpm.edu</A>. Servicing +questions should be directed to SLSC at 1-800-233-0557. <P> + + +<A HREF="http://www.mohela.com"><B>Mohela</B></A><BR> + +Mohela is a secondary market for student loans in Missouri and +neighboring states. Established in 1981, they have $1 billion in +assets and serve more than 125,000 student and parent borrowers and 83 +lenders. More than three-quarters of all student loans in Missouri are +purchased by Mohela. <P> + +They offer the CASH LOAN private loan program as a supplement to FFELP +and FDSLP loans for graduate students. These loans include the +MedCash, LawCash, BarCash, MBACash, and GradCash loan programs. US +citizenship is required. <P> + +Under the MedCash program, medical school students can borrow up to +$20,000 per year, with an aggregate maximum of $80,000 and a total +educational debt limit of $128,500 (including MedCash loans). The +interest rate is the 91-day T-Bill rate plus a spread of 2.50% while +the student is still in school and 2.85% during repayment. There is a +5% guarantee fee, and an additional 2% guarantee fee is added when the +student enters repayment. Repayment begins 36 months after graduation +or 9 months after the student withdraws to less than half-time +enrollment without graduating. No payments are required while the +student is in school, and the term of the loan is up to 20 years. <P> + +Under the LawCash program, law students can borrow up to $15,000 per +year, with an aggregate maximum of $45,000 and a total educational +debt limit of $90,000 (including LawCash loans). The interest rate is +the 91-day T-Bill rate plus a spread of 3.25% while the student is +still in school and 3.40% during repayment. There is an 8% guarantee +fee at disbursement, and an additional 2% guarantee fee when the +student enters repayment. Repayment begins 9 months after the student +either graduates or withdraws. No payments are required while the +student is in school, and the term of the loan is up to 15 years. <P> + +For more information call 1-800-6-MOHELA (1-800-666-4352) or +1-314-469-0600, TDD/TT 1-314-469-6390, fax 1-314-469-4561, or write to +Mohela, 14528 South Outer Forty Road, Suite 300, Chesterfield, MO +63017. <P> + + +<A HREF="http://www.nelliemae.org"><B>Nellie Mae LOAN LINK</B></A><BR> + + +Nellie Mae, established in 1982, is the largest nonprofit provider of +student and parent education loan funds in the US. Nellie Mae offers +the EXCEL Education Loan Program for parents and spouses of +undergraduate and graduate students and the GradEXCEL, LawEXCEL, +MBA-EXCEL, and MedDent-EXCEL Education Loan Programs for graduate and +professional students. <P> + +The Nellie Mae EXCEL Education Loan Program lets parents and spouses +borrow from $2,000 up to the cost of attendance less other financial +aid received each year. Repayment options include paying interest only +while the student is in school or making monthly payments of principal +and interest while the student is in school. You can take up to 20 +years to repay the loan depending on the amount borrowed (15 years for +a $10,000 loan). <P> + +The GradEXCEL, LawEXCEL, MBA-EXCEL, and MedDent-EXCEL Education Loan +Programs lets graduate and professional students borrow from $2,000 to +$10,000 a year (up to $12,000 for law students) on their own, or up to +the cost of attendance with a cosigner. Medical and Dental students +have the option to borrow an additional $5,000 in the final year of +medical or dental school for use during residency interviews or +relocation expenses. Repayment options include defering principal and +interest until six months after leaving school (MedDent-EXCEL +borrowers can continue to defer principal during residency or +internship, but must pay interest), making monthly payments of +interest only while the student is in school, or making monthly +payments of principal and interest while the student is in school. You +can take up to 20 years to repay the loan depending on the amount +borrowed. <P> + +Interest rates are the same for all loans and are pegged to the Prime +rate. You can choose either a monthly variable rate of Prime plus 0.5% +during the first year and Prime plus 1.0% during subsequent years, or +a one-year renewable rate of Prime plus 2-3%. <P> + +There are no origination fees. EXCEL Loans have a 7% guarantee +fee. With a cosigner, the GradEXCEL, LawEXCEL, MBA-EXCEL, and +MedDent-EXCEL loans have a 7% guarantee fee. Without a cosigner, the +guarantee fees are 9% for MBA and medical students and 10% for +graduate, law, and dental students. <P> + + +You can request an application through their online +form. For more information, call 1-800-9-TUITION (1-800-988-4846), +1-800-634-9308, or 1-617-849-3447, fax 1-617-849-6006, write to Nellie +Mae, 50 Braintree Hill Park, Suite 300, Braintree, MA 02184, or send +email to <A +HREF="mailto:info@nelliemae.org">info@nelliemae.org</A>. <P> + + +<A HREF="http://www.salliemae.com"><B>Sallie Mae</B></A><BR> + +Sallie Mae is the nation's largest secondary market and holds +approximately one third of all educational loans. Sallie Mae buys +student loans from lenders and administers them from origination +through repayment. Sallie Mae is affiliated with several lenders +(currently Norwest Bank and Household Bank fsb) who offer private loan +programs. <P> + +The private loan programs include: + +<UL> +<LI>LAWLOANS: Law Student Loans and Bar Study Loans +<LI>MEDLOANS: Alternative Loan Program (for allopathic medical students) and MEDEX (for residency interviews and relocation) +<LI>MBALOANS: Tuition Loan Program (for students attending approved business schools) and Executive MBA Loan (for students enrolled in non-traditional MBA programs) +</UL> + +Borrowers under these loan programs may be required to apply for +federal student aid first. Eligibility is restricted to US citizens, +nationals, and permanent residents. The LAWLOANS and MBALOANS require +permanent residents to have a US citizen as cosigner. The MBALOANS +requires international students to have creditworthy cosigners and to +make interest payments during the in-school period. <P> + +All loans have let you borrow a minimum of $1,000 ($500 for continuing +borrowers). Each program has a different maximum loan amount. The +LAWLOANS maximum is $60,000 without a cosigner, $100,000 with a +cosigner. The Bar Study Loan lets you borrow up to $7,500. The +MEDLOANS lets you borrow up to $20,000 per year. The MEDEX loan lets +you borrow up to $7,000. In addition, the LAWLOANS has an aggregate +maximum for all educational loans of $102,500 without a cosigner, +$150,000 with a cosigner. For MEDLOANS the aggregate maximum is +$142,500. <P> + +The interest rates are based on the 91-day T-bill rates, plus a +spread, and vary quarterly. For LAWLOANS the interest rate for FFELP +borrowers is T-bill plus 3.25% during the in-school period and for +FDSLP it is T-bill plus 3.50%. During repayment the rate for both is +T-bill plus 3.50%. For MEDLOANS it is T-bill plus 2.5% during the +in-school period, and T-bill plus 2.85% during repayment. For MBALOANS +the rate for FFELP borrowers is T-bill plus 3.25% during the in-school +period, T-bill plus 3.40% during repayment, and T-bill plus 3.50% for +FDSLP borrowers. Interest is capitalized at the beginning of +repayment, except for MEDLOANS where the interest is capitalized upon +leaving medical school and annually until repayment begins. <P> + +Loan fees for LAWLOANS are 7.5% at disbursement, plus an additional +4.25% at repayment if there is no cosigner. Loan fees for MEDLOANS are +7% at disbursement, plus 2% of principal and accrued interest at the +beginning of repayment. The MEDEX loan has an additional origination +fee of 1.5%. Loan fees for MBALOANS are 7.5% at disbursement, plus an +additional 2.5% at repayment if there is no cosigner. <P> + +The minimum payment for all loans is $50. The loan term for LAWLOANS +is up to 15 years and begins following a 9 month grace period after +leaving school or 4 years after disbursement, whichever comes +first. The loan term for MEDLOANS is up to 20 years, and begins 3-4 +years after graduation (depending on length of the residency program) +or 9 months after withdrawal. MEDLOANS offers a repayment option of 3 +years of interest-only payments and 17 years of interest and principal +payments. The loan term for MBALOANS is 12-15 years, depending on the +loan balance, and begins 6 months after leaving school or 3 years +after disbursement, whichever comes first. The MBALOANS offers level +or graduated repayment options. <P> + +Borrowers of these private loans get access to Sallie Mae discounts, +including a 0.25% interest rate reduction for authorizing an automatic +monthly deduction of the education loan payments from your check or +savings account (Direct Repay) and a 0.5% interest rate reduction for +Law Student or Bar Study loan borrowers who make their first 48 +scheduled monthly payments on time (Law Rewards). <P> + +Call 1-800-239-4211 to request copies of Sallie Mae brochures or to +talk to a College Answer[sm] representative. Customer service +telephone numbers are 1-800-366-5626 for the LAWLOANS, 1-800-858-5050 +for MEDLOANS, and 1-800-366-6227 for MBALOANS. <p> + + + +<A HREF="http://www.teri.org/alt.htm"><B>TERI Alternative Loan +Program</B></A><BR> + +The TERI Alternative Loan Program program provides loans for graduate +students who are enrolled at least half-time in a degree-granting +program at a TERI-approved school. Approval is based on +creditworthiness, not financial need. This program lets you borrow +from $2,000 up to the cost of education, less any financial aid +received. You can borrow to cover past due balances owed to the school +from a prior loan period. <P> + +Repayment begins 45 days after disbursement. There is an alternate +deferred repayment option in which payments are interest-only while +the student is in school (for up to four consecutive years), with +repayment of interest and principal beginning 45 days after graduation +or withdrawal from school. There is a $50 minimum payment. The term of +the loan is for up to 25 years, depending on the amount borrowed, and +there is no penalty for prepayment. <P> + +There is a 5% guarantee fee. The interest rate depends on the lender, +and is variable, ranging from a low of Prime plus 0% (Bank of Boston, +Household Bank, and PNC Bank) to a high of Prime plus 2% +(Citibank). First Union National Bank offers the loan at Prime + +1.25%. On the variable interest rate loans, any fluctuation in the +interest rate will be reflected in the length of repayment, not in the +size of the monthly payment, unless an increase in the monthly amount +is needed to keep the repayment period within the 25 year maximum. <P> + +The Maine Education Loan Authority offers the MELA loan for Maine +students and Maine residents. There is a $50 application fee, and the +loan is offered with either a fixed interest rate or a variable +interest rate based on the 91-day T-Bill rate plus a spread determined +by the lender. <P> + +For more information, call 1-800-255-TERI (1-800-255-8374), write to +The Education Resources Institute (TERI), 330 Stuart Street, Suite +500, Boston, MA 02116-5237, or send email to <A +HREF="mailto:custserv@teri.org">custserv@teri.org</A>. Customer +service is x4210, school relations is x4262, lender relations is +x4218, claims and collections is x4270, and loan origination is x4287 +(fax 1-617-695-3637). Financial aid administrators should call +1-800-TERI-FAO (1-800-837-4326) or 1-617-422-8800. <P> + + +<A HREF="http://www.teri.org"><B>TERI Professional Education Program +(PEP)</B></A><BR> + +The TERI PEP program provides loans for graduate and professional +study. It lets graduate and professional students borrow up to $7,500 +($12,000 for law students) annually on their own credit. If the +borrower is creditworthy or has a creditworthy cosigner, the TERI PEP +program lets the student borrow annually up to the cost of education +less any financial aid received or $20,000, whichever is less, with a +cumulative limit of $80,000. <P> + +There are aggregate borrowing limits depending on the +profession. These aggregate limits include all education debt, +undergraduate and graduate. Graduate students who are creditworthy or +who apply with a creditworthy cosigner are not subject to these +limits. The aggregate limits are: + +<UL> + +<LI> $90,000 -- Medicine (MD degree) +<LI> $90,000 -- Osteopathic Medicine +<LI> $77,000 -- Law +<LI> $70,000 -- Pharmacy (PhD degree) +<LI> $45,000 -- Business +<LI> $44,000 -- Dentistry +<LI> $44,000 -- Engineering +<LI> $44,000 -- Physical Sciences +<LI> $33,000 -- All other graduate/professional programs. + +</UL> + +The student makes no payments for up to 4.5 consecutive years while +still in school. Unpaid interest is capitalized at repayment. Medical +school students may request a second deferment on the new principal +balance after the interest has been capitalized, for up to 4 years +while completing a medical internship or residency (with +capitalization at repayment). <P> + +There is a $50 minimum monthly payment and the term of the loan is for +up to 20 years. Fluctuations in the interest rate will be reflected in +the length of repayment, not in the size of the monthly payment, +unless an increase in the monthly amount is needed to keep the +repayment period within the 20 year maximum. <P> + +A guarantee fee is deducted at origination. The guarantee fee is 6% +with a cosigner, 9% without. The interest rate is variable, and +depends on the lender. The Bank of Boston, Household Bank, and PNC +Bank offer the TERI PEP loans at an interest rate of Prime + 0%. The +Bank of Boston charges a origination fee of 0.5%, with a $50 +cap. First Union National Bank offers TERI PEP loans at Prime + +1.25%. Citibank offers the Citibank PEP loan at Prime + 2%. <P> + +For more information, call 1-800-255-TERI (1-800-255-8374), write to +The Education Resources Institute (TERI), 330 Stuart Street, Suite +500, Boston, MA 02116-5237, or send email to <A +HREF="mailto:custserv@teri.org">custserv@teri.org</A>. Customer +service is x4210, school relations is x4262, lender relations is +x4218, claims and collections is x4270, and loan origination is x4287 +(fax 1-617-695-3637). Financial aid administrators should call +1-800-TERI-FAO (1-800-837-4326) or 1-617-422-8800. <P> + + + +<A HREF="http://www.teri.org/cel.htm"><B>TERI Continuing Education +Loan</B></A><BR> + +Funded by the Bank of Boston, the TERI Continuing Education Loan +program provides loans for continuing education students for +undergraduate, graduate, and certificate program study. Approval is +based on creditworthiness, not financial need. There are no enrollment +status requirements - you do not need to be enrolled at least half +time, as with other private loans. The minimum loan amount is $500 and +the maximum is $5,000 per year. You can borrow for past due balances +owed to the school from a prior loan period. No school certification +is required. The interest rate is Prime plus 1.5% and there is a 5% +guarantee fee and no application fee. Repayment of interest and +principal begins six months after disbursement. There is a $25 minimum +monthly payment, and you have up to 10 years to repay the loan. <P> + +For more information, call 1-800-255-TERI (1-800-255-8374), write to +The Education Resources Institute (TERI), 330 Stuart Street, Suite +500, Boston, MA 02116-5237, or send email to <A +HREF="mailto:custserv@teri.org">custserv@teri.org</A>. Customer +service is x4210, school relations is x4262, lender relations is +x4218, claims and collections is x4270, and loan origination is x4287 +(fax 1-617-695-3637). Financial aid administrators should call +1-800-TERI-FAO (1-800-837-4326) or 1-617-422-8800. <P> + + + + </FONT></TD> + <!-- 10 pixel spacer row between left edge and nav --> + <TD WIDTH="10"> </TD> + </TR> +</TABLE> +</CENTER> +<BR> + +<!-- PHP code to include footer file. 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