• Consolidate your previous student loans and borrow for the current/upcoming term
• Borrow from $10,000 to $250,000 total
• We contact and pay off your lenders
• One loan statement, one payment to make
• Lower your monthly payment

• Great rates and terms
• Added interest rate savings of .25% for automated payments¹ and .50% for good payment history with Loan to Learn²
• High approval rates — particularly when applying with co-signers
• Help from combination loan professionals who are ready to serve your needs

¹Accounts in Total Deferment are not eligible for this rate reduction until repayment begins.

²Make your first 48 consecutive monthly loan payments by the payment due date, and receive a 0.50% rate reduction for the remaining term of your loan.

Ranges of Interest Rate

Our Combination Loans have adjustable rates based on the Prime Rate (4.00% as of November 2008), plus or minus a margin based on the credit worthiness of the borrowers.

* Includes a 0.25% discount for automated payments.¹ An additional discount of 0.50% for good payment history is available after your first 48 consecutive on-time payments.

Fees

An Origination Fee of 0% - 8%, as determined by loan amount and the credit worthiness of the borrowers, may be added to the principal amount of the loan.

Repayment Term

Loans are amortized over 20 years, although there are no prepayment penalties.

Repayment Options

• Immediate: Principal and interest payments begin as soon as the loan is disbursed.
• Interest-Only: Interest payments begin as soon as the loan is disbursed and continue for up to 7 years, or 6 months after graduation/student leaves school, whichever comes first.
• Total Deferment: No payments of principal or interest until 6 months after graduation.

Eligibility

Borrowers must be U.S. citizens or U.S. permanent residents. Income must be verified reliable and sufficient to repay the amount borrowed in addition to existing debts and obligations. Borrowers must have established credit history.

Co-signers

Creditworthy co-signers will assist in securing the maximum loan amount with the best possible rates and terms.

NOTE: While Loan to Learn® can be used to consolidate federal student loans, you should first consider a federal consolidation loan, because it is subsidized by the federal government and offers a lower interest rate.

¹Accounts in Total Deferment are not eligible for this rate reduction until repayment begins.

Do I need co-signers?

If you are a student, it is strongly recommended that you apply with creditworthy co-signers, such as both parents or other close relatives, not only to maximize the amount you're eligible to borrow, but also to obtain more beneficial loan terms.

Are there any application deadlines?

You can apply at any time, even after a semester has begun.

Can my rate be lowered after I have the loan?

Yes. Loan to Learn offers multiple ways to lower your rate, allowing as much as .75% in total interest rate savings.* Please see Pricing and Terms for more details.

What if I don't need my money right now?

The PlanAhead Tuition™ program that lets you set the date you get your money. So, get pre-approved today and be assured that you will have the funds to cover all of your education expenses. Have the check arrive when you need it. So apply today!

What can a Loan to Learn Combination Loan be used for?

To pay for your current education expenses, including tuition, room and board, fees and supplies, computers, and even study abroad, and pay off your prior student loans all at the same time.

What do I need to know to apply for a Combination Loan?

A comprehensive list of everything you need to know about applying for a Combination Loan, including required documents, monitoring the status of your loan, contact information and more can be found in the Student Loan FAQs.

NOTE: While Loan to Learn® can be used to consolidate federal student loans, you should first consider a federal consolidation loan, because it is subsidized by the federal government and offers a lower interest rate.

*Accounts in Total Deferment are not eligible for this rate reduction until repayment begins.</p>