Zero origination fee

Zero repayment fee

Interest rates as low as Prime rate minus 1.00%

0.25% interest rate reduction for enrolling to have monthly payments automatically deducted from a bank account

0.25%interest rate reduction for choosing immediate or interest-only repayment option

Combine billing option for all education loans serviced by Chase

Cosigner release option available after 36 months Can be used to pay past due balances up to 12 months in arrears

No income requirements

No satisfactory academic progress requirements

Students need only be enrolled, no minimum requirements

Interest rates as low as Prime minus 0.5%

2% Graduation Reward - 2% cash reward on outstanding principal balance at graduation

Zero origination fees

Zero default fees

Zero prepayment fees

Automatic Debit Reward - 0.25% interest rate reduction when enrolled in automatic payments

No payments while enrolled in school at least half-time

6 month grace period

Capitalization once, at repayment

Loans can be certified for balances incurred within last six months

Combined billing with federal loans available

Flexible repayment options available

0% origination fees¹

Graduation Reward- $300 Principal Reduction per loan with proof of graduation

0.25% interest rate reduction for automatic withdrawal payments²

Competitive interest rates starting as low as the 1-month LIBOR + 2.50%, currently 5.5875% APR³

Borrow cost of education minus other financial aid received

Defer payments while in school and forbearance option available

Generous repayment terms

Cosigner release available⁴

Immediate credit decisions online


1 A repayment finance charge may apply based on your or your cosigner's credit history.

2 The 0.25% rate reduction is available to borrowers who arrange with their servicer to automatically deduct monthly payments from their personal bank account. Savings programs are effective for all loans disbursed on or after October 13, 2006.

3 LIBOR stands for London Interbank Offered Rate. The one-month LIBOR is the Current Index, as published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). Your variable interest rate and Annual Percentage Rate (APR) may be higher depending upon your credit history and will increase or decrease if the one-month LIBOR index changes. Your variable interest rate is calculated by adding the current one-month LIBOR index (captured on the 25th day of each month, or the next business day thereafter, of the month immediately preceding such calendar month and rounded up to the nearest 1/8th of one percent) to your margin. The current one-month LIBOR index was 3.25% on 11/1/08. This APR example assumes a $10,000 undergraduate, cosigned, loan disbursed over two transactions with a deferment period of 45 months upon initial disbursement and a six month grace period upon graduation, a 25 year repayment term with no repayment finance charge, and a 2.50% margin. Margins can range from 2% to 8% (depending whether you are an undergraduate or graduate, if the loan is co-signed and upon your or your cosigner's credit history) and repayment finance charges can range from 0% to 5.5% (depending upon your or your cosigner's credit history).

4 The cosigner can be released from liability after the first 48 initial, consecutive principal and interest payments are made on time. Borrowers must meet credit guidelines at the time the cosigner release is requested.

Signature Student Loan® The nation’s leading private education loan, available from Sallie Mae, allows you to borrow up to the total cost of attendance, less other aid you receive. Special features include:

• 0.50 percentage point interest rate reduction for automatic debit



• Option to use a creditworthy cosigner, which may qualify you for a better interest rate



• Cosigner release application available after first 24 consecutive on-time payments of principal and interest



• No payments required while in school



• No income requirement



• Zero fees

Interest rate: variable, based on Prime

Deferred payments: no payments are required while a student is in school and for up to six months after graduation or leaving school

Wells Fargo Student Graduation Benefit^SM Program interest rate reduction of 0.50% at repayment upon verification of graduation. Unlike other repayment rewards, the Wells Fargo Student Graduation Benefit program is not affected by a late payment or if you return to school. Students keep the Wells Fargo Student Graduation Benefit Program reward as long as they do not consolidate their loans (effective for loans disbursed on or after July 1, 2008).

0.25% interest rate reduction at repayment when Wells Fargo automatically withdraws payments from a personal checking or savings account - discount is removed if automatic payments are cancelled (effective for loans guaranteed on or after July 1, 2008).

The automatic payment reward and the Wells Fargo Student Graduation Reward Benefit Program are entirely separate, so those that don’t graduate can still obtain an interest rate discount.

No origination, disbursement or repayment fees

Convenient online and phone application with instant credit decisions

Cosigner release after the first 24 consecutive monthly payments are received on time – minimum credit guidelines must be met at the time of the request

High quality of Wells Fargo servicing throughout a student’s borrowing experience.

Combined billing of Federal Stafford, Federal PLUS, and private loans

Free Wells Fargo College Checking^® accounts, Online Banking, and Bill Pay.

One place for all your financial needs.

Wells Fargo retains the right to discontinue or modify our rewards for future disbursements at any time without notice.

For loans disbursed on or before June 30, 2008, call us at 1-800-658-3567 to get more information on your borrower rewards.

Origination fees ranging from 0.00% to 5.00%, based on credit review

0.25% interest rate reduction – when you enroll in auto-debit payment program

0.50% automatic interest rate reduction - for students who make their first 48 consecutive required monthly payments on-time and continue to make on-time payments