NextStudent Education Finance Solutions for...

College Graduates
Consolidate your college loan debt now and you can save thousands when you lock in at the lowest student loan rates possible.

Graduate Students
Financial aid options, including fellowships and graduate student loans, to help you pay for your post-graduate degree.

College Students
Search for scholarships, learn about financial aid, get a low-interest federal or private student loan and more.

Parents
Explore saving plans, look for free money, and apply online for low-cost Parent PLUS and NextStudent Private Student Loans.

High School Students
Find out what you should do now to secure free money and low-cost funding for college.

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NextStudent makes college funding simple and quick.

• Free scholarship search engine with over 2.4 million individual awards
• Free one-on-one counseling with a personally assigned Education Finance Advisor
• Great customer service to help you every step of the way
• Financial aid tips to get as much financing as you need
• Low-cost student loans

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Rates, Fees and Terms

The interest rate on NextStudent Private Loans¹ varies quarterly, based on the London Interbank Offered Rate (LIBOR), plus a margin.

*An origination fee of 3% is available for immediate-repayment and interest-only repayment options.

The LIBOR Rate for quarter June 1, 2006 -June 30, 2006 = 5.04%.

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Terms

NextStudent offers three repayment options for undergraduates.

• Immediate repayment – Principal and interest payments begin within 60 days after check is disbursed.
• Interest only – Principal is deferred and interest is paid only for up to four years while continuously enrolled in school. Interest begins within 60 days after check is disbursed.
• Deferred principal and interest – Principal and interest are deferred for up to four years while the student is continuously enrolled in school. Payment begins six months after graduation.