----- quick college aid summary -----

SMART option loan ^®

loan information

Use the SMART Option ^® loan to make up the difference between the total cost of education minus the financial aid received.

Designed to provide the extra funds you need for college after qualifying for the maximum aid in scholarships, grants and federal student loans.

• Borrow up to the full cost of education ⁽²⁾
  to pay for tuition, books, supplies, housing, computer and other education-related costs:
  do a quick calculation
  
  
• Make no payments until after you graduate
  or choose an in-school repayment option to keep your costs down — whatever option fits your needs ⁽¹⁾
  
  
• Applying with a creditworthy cosigner
  may help you qualify and/or receive a lower interest rate
  
  
• Money will be sent
  directly to you or your college
  
  more information about this loan
  (links to our aid center: www.SayStudent.com)

| or dial: 1-866-813-7760