Private Student Loan Lenders

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

This information is for borrowers attending degree-granting institutions only.  You must attend a participating school or have attended one in an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower who is attending or has attended a school located in the U.S. applying with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible.  Applications are subject to a requested minimum loan amount of $1,000.  Current credit and other eligibility criteria apply.

^1*Interest rates for the Fixed and Deferred Repayment Options are higher than interest rates for the Interest Repayment Option. Variable rates may increase after consummation. Interest is charged while you are in school and during the 6-month separation period. Unpaid Interest will be added to the Current Principal when you enter principal and interest repayment.

^2*Either the borrower or cosigner (not both) must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due is successfully deducted from the designated bank account each month and is suspended during forbearances and certain deferments.

^3*Sallie Mae reserves the right to approve a lower loan amount than the school certified amount.

^4*Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and pass a credit review that demonstrates a satisfactory credit history including but not limited to no: open bankruptcy, open foreclosure, student loan(s) in default or 90 day delinquencies in the last 24 months. Requirements are subject to change.

Information advertised valid as of 8/25/2016

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

Sallie Mae, Smart Option Student Loan, Smart Reward, and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.

Smart Option Student Loans are made by Sallie Mae Bank or a lender partner.

© 2016 Sallie Mae Bank. All rights reserved. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Student Benefits

• Low rates, free to apply, and no disbursement fees
• Borrow up to 100% of the school-certified cost of attendance (minimum $2,000)^{1^}
• The most repayment choices - and help making sense of them
• 0.25% interest rate reduction when you make payments by automatic debit^{2^}
• No penalty for early repayment

Eligibility

• You (and your cosigner, if applicable) must be a U.S. Citizen or permanent resident.
• You must be enrolled at least half-time as a student at an eligible degree-granting school.
• Students must meet the minimum age of majority for their state of residence if applying alone.

The College Ave Student Loans Product is made by Firstrust Bank, member FDIC. All loan applications are subject to individual approval. Other terms and conditions apply.

^{1^} As certified by your school and less any other financial aid you might receive.

^{2^} The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments.

¹You will be eligible to receive a 1% cash reward if:

• You submitted an application for a Discover Undergraduate, Health Professions, Law, MBA or Graduate Loan on or after May 1, 2014 and received the loan.
• Your Grade Point Average (GPA) for any academic term covered by the loan is at least a 3.0 (or equivalent).
• You have not already redeemed the reward for the eligible student loan.
• You log in to your secure account to redeem your reward within 6 months after the academic term covered by the loan has ended, or six months after the loan's final disbursement; whichever is later. Please note: If the loan covers multiple academic terms, you may only redeem your reward after the end of the final academic term covered by the loan.
• There are no pending disbursements on your eligible student loan.

You will be eligible for only one reward for each new Discover student loan.

These Terms and Conditions are subject to change with notice. We may change them at any time including, but not limited to, changing the redemption methods or imposing additional conditions.

²You will be eligible to receive the Auto Debit Reward if you meet all of the following conditions:

• You are the borrower of a student loan originated or purchased by Discover Bank
• Your loan is in repayment (the Auto Debit Reward does not apply during any deferment when no payments are required)
• Your loan is not in default
• You do not have returned payments
• You are enrolled for recurring automatic payments from a bank account

These Terms and Conditions are subject to change with notice. We may change them at any time including, but not limited to, changing the eligibility criteria or imposing additional conditions.

¹Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

²Automatic Payment Benefit: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Benefit is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this benefit.

Rates and offer subject to change.

All accounts, loans, and services are subject to individual approval.

Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Member FDIC

¹Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

²Automatic Payment Benefit: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Benefit is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this benefit.

Rates and offer subject to change.

All accounts, loans, and services are subject to individual approval.

Citizens One and Citizens One Student Loans are brand names of Citizens Bank, N.A. Member FDIC

¹⁺⁺⁺The Annual Percentage Rate (APR) is based on a $10,000 loan and reflects the accruing interest, the effect of capitalized interest, a 2% origination fee, the full deferment payment plan option (in which there is a 21-month in-school deferment and a six-month grace period), and a monthly principal and interest payment of $125.13 for 10 years (120 periods) and $97.28 for 15 years (180 months), with the first payment due 45 days after the completion of the grace period.

²⁺⁺⁺Savings calculation of $10,805 is based on an assumed $100,000 loan amount and a fixed product with a 5.78% APR and deferred repayment until after graduation and six-month grace period. Loan is assumed to be taken out for the borrower's first year of business school. Please note that you forego certain federal loan program benefits if you use private student loans. Savings is calculated as the difference between a borrower's estimated future payments for $20,500 in Direct Unsubsidized Stafford Loans and $79,500 in Direct Grad PLUS Loans and their future expected payments with CommonBond. The calculation assumes no change in interest rates, on-time payments, and no pre-payment of loans.

See terms & conditions for important information and additional details.

^1***Interest rate based on credit score.

^2***The rate is subject to increase after consummation. The three-month Libor index is defined as the daily average of the three-month London Interbank Offered Rate (Libor) (currency in U.S. dollars) that was published on the Wall Street Journal's website (or any generally recognized successor method or means of publication) on each business day during the 91-day period ending on the 20th day of March, June, September and December. The three-month Libor index for the quarter July 1–September 30, 2016, is 0.64%.

^3***The rate will not exceed 21.00%.

^4***Borrowers with delinquencies during the principal and interest repayment period or interest-only repayment period may have future disbursements and/or loans suspended or canceled.

^5***The in-school period cannot exceed 48 months.

^6***Annual percentage rate (APR), finance charges and monthly payments are based on borrowing $10,000 in a single disbursement. Immediate Payment — Fixed is based on a fixed interest rate of 5.81% to 10.30% during the 144-month principal and interest repayment period. Deferred Payment — Fixed is based on deferring interest and principal and a fixed interest rate of 6.11% to 10.60% during the 48-month in-school and separation and the 144-month principal and interest repayment periods. Immediate Payment — Variable is based on maintaining a constant interest rate on a variable rate loan of 3.89% to 10.59% during the 144-month principal and interest repayment period. Interest-Only Payment — Variable is based on deferring principal and maintaining a constant interest rate on a variable rate loan of 4.09% to 10.74% during the 48-month interest-only and the 144-month principal and interest repayment periods. Deferred Payment — Variable is based on deferring interest and principal and maintaining a constant interest rate on a variable rate loan of 4.24% to 10.89% during the 48-month in-school and separation and the 144-month principal and interest repayment periods. APR examples are based on the quarterly interest rates July 1–September 30, 2016.

^7***Earn a 2.00% principal reduction reward after graduation if you graduate from the degree program that the loan was used to fund and your graduation date is more than 90 days and less than six years after the date of the loan's first disbursement.

To receive the graduation benefit, you must:

• Request the 2% reward.
• Provide adequate documentation to verify proof of your graduation.
• Be current on any ISM Student Loan you have borrowed. To be current, your loans may not be more than 30 days delinquent or in a default status as of your graduation date and until any graduation reward principal reduction is applied.

^8***Earn a 0.25% interest rate reduction by making auto-debit payments when you begin principal and interest repayment.

^9***You may apply to have your cosigner(s) released from their obligation after the first 48 consecutive monthly principal and interest payments are received on time as long as you meet the underwriting and credit criteria at the time the cosigner release is requested.

¹⁺ PNC Solution Loans™ are subject to credit approval.

²⁺ If automatic payment is discontinued, you will no longer receive an automatic payment discount. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please contact your financial institution for more information on transfer limitations on savings accounts.

³⁺ Students may choose to defer repayment until six months after graduation or ceasing to be enrolled at least half time in school. Interest-only and immediate repayment options are also available. Interest will accumulate while the student is enrolled in school if payments are deferred. If interest is not paid, the accumulated interest will be added to the principal at repayment.

⁴⁺ Effective 10/1/2015, variable loan interest rates range from 3.49% to 10.44% and APRs range from 3.40% to 10.44%. Fixed loan interest rates range from 6.49% to 12.99% and APRs range from 6.19% to 12.99%. The monthly payment for the immediate repayment option at a variable rate range of 3.49% to 10.44% for 180 months on a $10,000 loan means you would make 180 payments which may range from $71.44 to $110.17 based on 30 days to first payment due date. The monthly payment for the immediate repayment option at a fixed rate of 6.49% to 12.99% for 180 months on a $10,000 loan means you would make 180 payments which may range from $87.06 to $126.46 based on 30 days to first payment due date. Monthly payments may vary for the interest only and fully deferred repayment options. All figures are for PNC Solution Loan for Undergraduates. Other terms and conditions may apply to other PNC Solution Loan programs.

⁵⁺ A request to release a co-signer requires that you have made forty-eight (48) consecutive timely payments with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the regularly scheduled monthly payment must be made for forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.

Please note: PNC reserves the right to modify or discontinue the terms of this program at any time without notice. Visit pnconcampus.com for additional information, terms and conditions about our loan programs. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.

© 2015 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.
Member FDIC