STUDENT FINANCE BUYER'S GUIDE

STUDENT FINANCE BUYER'S GUIDE

Rely on this easy-to-use supplier guide for information on student finance resources in higher education
By:

330 Stuart Street

Boston, MA 02116

Phone: (800) 999-9080

Fax: (617) 521-6249

www.amsa.com

Mission Statement: As the oldest and one of the largest Federal Family Education Loan Program (FFELP) guaranty agencies in the United States, ASA assists students and parents successfully complete a program of education financing and repayment. For over 45 years, we have helped 1.4 million education loan borrowers pursue their academic dreams and repay their debt.

Products/Services: In its role as one of the nation's most prominent guarantors, ASA administers federal Stafford student loans and Parent Loans for Undergraduate Students (PLUS). ASA provides premium guarantee, origination, disbursement and default prevention services to students and the financial aid professionals that help them.

News: ASA recently won approval from the U.S. Department of Education for its Wellness campaign. Through education and proactive outreach, ASA seeks to prevent student loan default and keep borrowers fiscally "well." We are currently conducting experiments to find best practices in delivering the right message to borrowers at the right time, resulting in healthy loan repayment.

525 Brook Street

PO Box 1009

Rocky Hill, CT 06067

Phone: (860) 257-4001

Toll-Free: (800) 237-9721

www.cslf.com

Mission Statement: CSLF is a non-profit organization dedicated to providing access to funding for higher education through customized and personalized high-quality service.

About Us: For over 35 years, CSLF has provided education funding to students and families. By serving as guarantor, lender, secondary market, and servicer, CSLF is able to provide true single source processing for the life of the loan.

Products/Services:

First Rate Stafford Loans: Stafford Loan borrowers automatically receive a 0.5% interest rate reduction during repayment on all Federal Subsidized and Unsubsidized Stafford Loans by simply choosing CSLF (lender code 828614). Unsubsidized Loan borrowers receive an additional 2% interest rate reduction (minimum 2.99%) during the in-school and grace periods by opting to pay their interest during these times. CSLF waives the guarantee fee on all Stafford Loans.

First Rate PLUS Loans: PLUS Loan borrowers automatically recieve a 0.5% interest rate reduction by simply choosing CSLF (lender code 828614) as their lender. Borrowers may elect to receive an additional 0.5% interest rate reduction by having payments automatically deducted from a checking or savings account. CSLF waives the guarantee fee on all PLUS Loans.

EnRoute: CLSLF's internet-based loan processing and management system provides real-time access to all loan guarantee, disbursal and servicing information. EnRoute is available to borrowers, schools, lenders, and other industry partners.

Central Disbursement Services: CSLF, as guarantor, can disburse all Federal Stafford and Federal PLUS Loans on behalf of other lenders. Schools are able to receive all disbursements from a single agency but still maintain their preferred lenders.

For more information visit www.cslf.com.

Brian Cox, Vice President for Sales

330 Stuart Street, Suite 500

Boston, MA 02116

Phone: (800) 255-TERI

E-mail: cox@teri.org

www.TERI.org

About Us: The nations leading non-profit provider of education financing and information services, The Education Resources Institute (TERI) offers a variety of education loan programs for students from elementary through post-graduate studies. Since 1985, financial aid administrators have relied on us to support their students and families through the challenges of education financing.

Products/Services: TERI offers an array of products and services to students and families. Loan programs are available across the United States and Canada, and may be used for undergraduate, graduate, part-time studies, those seeking a second undergraduate degree and elementary and secondary education. From online application and status check to downloadable promissory notes and fast funding, TERI exceeds student expectations. For additional information visit TERI on the web at TERILOANS.com or call (800) 255-TERI.

P.O. Box 201725

Austin, TX 78720-1725

Phone: (800) 252-9743

www.tgslc.org

Mission Statement: TG is a public, nonprofit corporation that administers the Federal Family Education Loan Program (FFELP). TG's vision is to be the premier source of information, financing and assistance to help all families and students realize their educational and career dreams

Products/Services: As a FFELP administrator, TG works with financial aid industry partners throughout the country to simplify financial aid processing for financial aid administrators and the students and families they serve. TG provides innnovative solutions and tools, insightful information resources, and effective default prevention strategies to meet the needs of institutions and students nationwide. In their role as a student loan guarantor, TG checks student loan applications for eligibility, monitors student loan status, pays claims to lenders if necessary, and conducts compliance reviews of schools participating in the program. In addition, TG shares information about college planning, including academic and financial preparation, with students and schools to help make access to post-secondary education available to everyone.

News: Since its creation in 1979, TG has guaranteed over $20 billion in loans to more than 2 million student borrowers and their parents.

388 Market Street, 12th Floor

San Francisco, CA 94111

Phone: (415) 283-2800

Fax: (415) 283-2888

Toll Free: (800) 347-4352

www.loans4students.com

Mission Statement: To finance lifelong education while strengthening the bonds between the learners, schools, lenders, and employees.

Products/Services:

The AcademicEdge Loan: A variable rate, credit based, consumer education loan program-affordable, flexible, fast.

The CalEdge Loan: Co-sponsored by the California Educational Facilities Authority (CEFA), a department of the California State Treasurer's Office. CalEdge offers a fixed-rate for students at participating California schools, helps meet costs not covered by traditional financial aid.

Federal Stafford Loans: Offering some of the best interest rate discounts in the industry.

Federal Plus Loans: Offering some of the best interest rate discounts in the industry and online preapprovals.

OnePay Consolidation Loan: This program can make repayment of your student loans simpler and more affordable by combining all of your eligible federal student loans into one new loan with one low payment.

News: As a leading not-for-profit education finance company, Chela Financial is committed to helping students and their families find the financial resources to unleash their potential through loans, scholarships and information. The company is actively involved in community-based programs and has dedicated more than $2 million to scholarship and outreach programs. For additional resources log on to Chela Financial's Web site at www.loans4students.com.

100 Riverside Parkway

Fredericksburg, Virginia 22406

Toll free: (800) 762-6441, ext. 5292

www.cfsloans.com

Mission Statement: Collegiate Funding Services (CFS) is a leading nationwide provider of innovative solutions for education financing and debt management.

Products/Services:

The Real World Loan Federal Consolidation Program is one of the nation's leading student load refinance products offering graduates the ability to lock in the lowest rates in the 36-year history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25%*. CFS offers our graduates the benefit of combining multiple loans into a single monthly payment and bill, repayment flexibility, and no application fees or charges. Graduates can apply easily over the telephone or online, and there are no fees to pay or prepayment penalties.

The Real World Private Loan Consolidation Program is one of the few consolidation products available to the growing number of graduates with privately-insured student loans. Graduates will benefit from refinancing their multiple privately-insured student loans into one refinanced loan with lower monthly payments and one simple billing statement. Graduates can apply easily over the telephone or online, and there are no out-of-pocket expenses.

The enlighten PLUS Loan is a leading parent loan program offering tremendous money-saving borrower benefits including 0% guarantee fee, a credit of 3% of the then-current principal balance after 36 monthly payments are made on-time, and 0.25% interest rate reduction when using ACH to make monthly payments*. Students and parents can easily apply over the telephone. Schools interested in offering our money-saving enlighten PLUS program may contact CFS at the number displayed above.

News: CFS enjoys a superior reputation with our customers, business partners, and members of the higher education community. To date, financial aid professionals at more than 300 colleges and universities have established relationships with CFS for promotion of the Real World Consolidation Loan, our money-saving Enlighten PLUS Loan and our popular collegeexit online entrance and exit counseling service. *Limited time offers. Please call for details on current offerings.

Brian Cox, Vice President for Sales

330 Stuart Street, Suite 500

Boston, MA 02116

Phone: (800) 255-TERI

E-mail: cox@teri.org

www.TERI.org

About Us: The nations leading non-profit provider of education financing and information services, The Education Resources Institute (TERI) offers a variety of education loan programs for students from elementary through post-graduate studies. Since 1985, financial aid administrators have relied on us to support their students and families through the challenges of education financing.

Products/Services: TERI offers an array of products and services to students and families. Loan programs are available across the United States and Canada, and may be used for undergraduate, graduate, part-time studies, those seeking a second undergraduate degree and elementary and secondary education. From online application and status check to downloadable promissory notes and fast funding, TERI exceeds student expectations. For additional information visit TERI on the web at www.TERILOANS.com or call (800) 255-TERI.

127 Public Square

Cleveland, Ohio 44114

Telephone: (800) 540-1855

www.key.com/educate

Mission Statement: For more than 45 years, Key Education Resources? has provided families with federal and private financing programs, payment plans, planning tools and expert advice. Additionally, we offer tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies.

Products/Services:

Education loans with great rates: Federal, Undergraduate, Graduate, and Career/

Continuing Education Loan Programs.

Materials Order Form - Order collateral material online.

Entrance/Exit Counseling Presentations - Download presentations designed for graduate FAAs now.

Applications - Download an education loan application, or have students apply online.

Monthly Payment Plan - Affordable payment plans to meet the individual needs of your families.

Short-term Medical Insurance - An affordable option for your recent graduates.

Key On-Line - Easy access to Monthly Payment Plan information

News: Key Education Resources - Helping families make the right choices. Planning for school funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or beginning an IT career, we have the right program. Key has helped students and families finance education for more than 45 years.

One West Fourth Street, Suite 300

Cincinnati, OH 45201

Fax: (513) 763-4340

Toll free: (877) 477-7537

www.studentloanfunding.com

Mission Statement: Student Loan funding is a student loan lender with the sole mission of expanding access to higher education. Since 1981, we have assisted 1 million students, extending more than $6 billion in financial aid.

Products/Services:

Federal Stafford Loans

Federal PLUS Loans

Private Education Loans

Consolidation Loans

Customized web tools to help schools and organizations streamline the delivery of financial aid information and increase awareness of the affordability of a higher education.

1201 3rd Avenue

Seattle, WA 98101

Phone: (800) 433-2476

Fax: (206) 554-5319

www.wamu.com

Mission Statement: To be one of the nation's premiere financial services companies by:

providing exceptional service to customers

making communities better places to live and work

recognizing outstanding efforts of employees

delivering a superior long-term return to shareholders

Products/Services:

Washington Mutual is a full-service financial institution. In addition to federal and private education loan support, we offer banking and cash management services to all types of businesses, including colleges and universities.

Our financial management workbooks provide the information and encouragement necessary for developing successful money management habits. Topics appropriate for college students include "Checking and Savings," "Budgeting Your Credit," "Credit Card Basics," and "Lending Basics."

Our consumer banking customers enjoy free checking, free teller visits, and free account access at all Washington Mutual ATMs.

News: As part of its corporate values, Washington Mutual has long supported the communities in which it conducts business. We recently announced, beginning in 2002, a 10-year, $375 billion industry leading Community Commitment targeting home loans, affordable apartments and manufactured home sites, consumer and small business loans, and community investments and development.

P.O. Box 7430

Wilmington, DE 19803

Phone: (800) 282-1550

Fax: (302) 477-4011

www.accessgroup.org

Mission Statement: Access Group, Inc. is a nonprofit organization that has provided access to graduate and professional education for 20 years.

It offers federally guaranteed (FFELP) loans and private loans for students financing their law, business, medical, dental, health, and other graduate and professional degrees, and offers post-graduate loans. Access Group also has private loan options to serve other populations, such as a sponsor loan through which an individual can borrow on behalf of a student at any enrollment level. In addition, Access Group offers Federal Consolidation Loans and flexible repayment options, and provides financial planning information, debt management materials, and need analysis services to students and financial aid administrators. For more information, visit accessgroup.org.

Brian Cox, Vice President for Sales

330 Stuart Street, Suite 500

Boston, MA 02116

Phone: (800) 255-TERI

E-mail: cox@teri.org

www.TERI.org

The nations leading non-profit provider of education financing and information services, The Education Resources Institute (TERI) offers a variety of education loan programs for students from elementary through post-graduate studies. Since 1985, financial aid administrators have relied on us to support their students and families through the challenges of education financing.

TERI offers an array of products and services to students and families. Loan programs are available across the United States and Canada, and may be used for undergraduate, graduate, part-time studies, those seeking a second undergraduate degree and elementary and secondary education. From online application and status check to downloadable promissory notes and fast funding, TERI exceeds student expectations. For additional information visit TERI on the web at www.TERILOANS.com or call (800) 255-TERI.

800 W. Jefferson Street

Kirksville, MO 63501

Fax: (660) 626-2005

Toll Free: (888) 389-9622

www.nowloans.org

Mission Statement: NOWLoans is the only loan program supported by the Student Osteopathic Medical Association (SOMA) and the American Association of Colleges of Osteopathic Medicine (AACOM). In return, we support their efforts to promote osteopathic medicine and you!

Products/Services: NOWLoans provides loans to students in accredited programs nationwide. As long as students are in osteopathic medicine, or master's degree level physical therapy, occupational therapy, and physician assistant programs, they are eligible for our Stafford loans for graduate and professional students.

The Signature Student Loan: an alternative, credit-based loan, designed to bridge the gap between your Stafford loans and the cost of your education.

News: No FEES on Stafford loans is what's exciting at NOWLoans! No small print, no disclaimers, just no fees. And if you have good credit, you'll have no fees on your Signature Student? loan. That's more money in your pocket. Speaking of money, now you can even get cash back at repayment! See our website for details, www.nowloans.org

Education Loan Center

2600 Liberty Avenue

Pittsburgh, PA 15222

Phone: (800) 762-1001

www.eduloans.pncbank.com

Mission Statement: Since 1965, PNC Bank has made the education loan process as easy as possible by providing a comprehensive selection of loans so that a family can find all the higher education financing they need at one convenient place.

Products/Services: The PNC Bank Education Loan Center offers a wide array of both federal and private loans to help finance your higher education. We have an entire staff dedicated to answering questions about the loan process. We also offer savings to students with our National Discount Loan, Keystone BESTsm and aes BESTsm loan programs. Loan choices include: Federal Stafford Loan (Subsidized and Unsubsidized). Federal Parent Loan for Undergraduate Students (PLUS Loan), Federal Consolidation Loan, and the PNC Bank Resource Loan.

PNC Bank's Manageable PLUS Program allows a parent to delay payments for up to four academic years. Keystone and aes BESTsm programs feature no up front fees and repayment incentives. For more information visit our web site or call 800-762-1001.

News: PNC Bank is a proud sponsor of the Big 33 Academic Scholarship for deserving high school seniors in Ohio or Pennsylvania.

388 Market Street, 12th Floor

San Francisco, CA 94111

Phone: (415) 283-2800

Fax: (415) 283-2888

Toll Free: (800) 347-4352

www.loans4students.com

Mission Statement: To finance lifelong education while strengthening the bonds between the learners, schools, lenders, and employees.

Products/Services:

The AcademicEdge Loan: A variable rate, credit based, consumer education loan program-affordable, flexible, fast.

The CalEdge Loan: Co-sponsored by the California Educational Facilities Authority (CEFA), a department of the California State Treasurer's Office. CalEdge offers a fixed-rate for students at participating California schools, helps meet costs not covered by traditional financial aid.

Federal Stafford Loans: Offering some of the best interest rate discounts in the industry.

Federal Plus Loans: Offering some of the best interest rate discounts in the industry and online preapprovals.

OnePay Consolidation Loan: This program can make repayment of your student loans simpler and more affordable by combining all of your eligible federal student loans into one new loan with one low payment.

News: As a leading not-for-profit education finance company, Chela Financial is committed to helping students and their families find the financial resources to unleash their potential through loans, scholarships and information. The company is actively involved in community-based programs and has dedicated more than $2 million to scholarship and outreach programs. For additional resources log on to Chela Financial's Web site at www.loans4students.com

Services, Inc.

One World Trade Center, Suite 2200

Long Beach, CA 90831-2200

www.afsa.com

About Us: Affiliated Computer Services, Inc. (ACS, Inc.) recently completed the acquisition of AFSA Data Corporation, the nation's largest and most experienced education services company. ACS is best known in the student aid community as the contractor for the Federal Direct Loan Servicing System, and through the addition of AFSA, provides outsourcing solutions to college and university financial aid offices. Combined with AFSA, ACS services a student loan portfolio of more than 8.1 million borrowers with outstanding loans totaling over $86 billion. We service FFELP, Perkins, and Direct Loans. Additionally, we provide a suite of cutting-edge administrative products and services for campuses nationwide.

ACS offers students and parents services that deliver a secure web-based interface with your institution to transmit and retrieve essential information. All of these solutions are customized to your campus web environment, including logos, graphics and institution-specific messages. Our solutions are completely modular and platform independent and requires minimal resources from your Information Technology Staff.

QuikPay?, our on-line billing and payment product is made available to colleges and universities through a partnership between ACS and infiNET Solutions. ACS and infiNET have collaborated to make QuikPAY available as an Enterprise software deployment or as a hosted subscription service.

Today, over 600 colleges and universities outsource their campus-based loan and receivables management to ACS, eCBSL, our name for this outsourcing solution, offers a wide range of services designed to help campus Business and Financial Aid Office personnel manage institutional loan portfolios, default rates and receivables.

Our Tax Credit Reporting Service (TCRSsm) provides student and parent taxpayers detailed financial information, organized to assist them in claiming the tax credits they deserve and gives campus administrators the kinds of high-tech tools they need to meet the requirements of the 1997 Taxpayer Relief Act.

Our team of professionals offers a multitude of financial aid services to colleges and universities. Our services allow you to focus on your students instead of the process. For institutions interested in reducing financial aid office workloads and reducing costs, ACS provides a comprehensive package of outsourcing solutions.

The AppWorks? student loan origination platform redefines the standards for originating FFELP loans for your students. AppWorks was built from the ground up with critical design input every step of the way from the AppWorks Advisory Council, whose members are from many of the largest colleges and universities in the country.

For more information visit www.afsa.com, or call Kerry Shronts at (336) 750-0340.

Phone: (877) 564-2696

Description: Nelnet (National Education Loan Network) is a fully integrated educational finance organization offering expertise in student loan generation and servicing, secondary market services, and guarantor servicing support. We're dedicated to providing products and services that facilitate education finance for students, schools, and lenders. Our unique organizational structure allows us to assist in all aspects of the financial aid process from loan origination through repayment.

Products/Services: Nconcert is a web-based financial aid delivery and management system designed to reduce paperwork, streamline the approval process, and improve communication between a financial aid office and its students.

Nteract is a web-based student loan origination system designed to reduce paperwork, streamline the application and disbursement process, and improve coordination and communication between financial aid offices and lenders.

Ntrust is a Centralized Disbursing Agent (CDA) service that is provided by Nelnet, free of charge, to eligible educational institutions.

News: Unique to the industry, Nelnet offers both PIN-less and PIN processes to capture an electronic signature. "The integration of electronic signatures demonstrates Nelnet's commitment to providing the latest in technology resources, while expediting the loan process for borrowers and schools alike," says Don Bouc, president of Nelnet Corporation.

104 Inverness Center Place, Suite 325

Birmingham, AL 35242

Phone: (888) 441-9935

moreinfo@sungard.com

www.asset.sungard.com

Maximize assets. Minimize costs. Eliminate spreadsheets.

SunGard's charitable trust and endowment accounting solution integrates with your fund raising and fund accounting systems for complete automation. Sharing information between the planned giving and administration departments and the asset manager solves the problem of fragmented systems and multiple spreadsheets. The system allows your non-profit institution to raise the money, manage the trusts and endowments created, and capture the appropriate data for the fund accounting system. This saves you time and money, plus it safeguards against errors.

100 N. 56th Street, Suite 306

Lincoln, NE 68504

Phone (800) 609-8056

www.factsmgt.com

Co-Sourced Tuition Management Solutions for Higher Education

Products/Services:

Online payment processing featuring e-Cashier?

Customized plans to meet both student and institution needs

Designed to fit your academic calendar(s)

Multiple payment choices

Bank Accounts

Credit Card

FlexEXTRA billing system

Fastest turnaround of funds and account information

Real-time online information system

Available 24/7

Integrate with your student information system

Detail and summary reports

Reconciliation process to check data between systems

Benefits for Students

Help them afford more classes

Boost enrollment retention

No credit check

Online signup

Nearly 3,000 educational institutions and more than 350,000 students and families are co-sourcing with FACTS Management Company to provide solutions to tuition payment collection challenges. We design our payment solutions to provide the greatest flexibility for students and families while maintaining financial and information control for your institution. When you co-source with FACTS, we join with you as part of a consultative team to serve your staff and students better.

127 Public Square

Cleveland, Ohio 44114

Telephone: (800) 540-1855

www.key.com/educate

Mission Statement: For more than 45 years, Key Education Resources? has provided families with federal and private financing programs, payment plans, planning tools and expert advice. Additionally, we offer tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies.

Products/Services:

Education loans with great rates: Federal, Undergraduate, Graduate, and Career/Continuing Education Loan Programs.

Materials Order Form - Order collateral material online.

Entrance/Exit Counseling Presentations - Download presentations designed for graduate FAAs now.

Applications - Download an education loan application, or have students apply online.

Monthly Payment Plan - Affordable payment plans to meet the individual needs of your families.

Short-term Medical Insurance - An affordable option for your recent graduates.

Key On-Line - Easy access to Monthly Payment Plan information

News: Key Education Resources - Helping families make the right choices. Planning for school funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or beginning an IT career, we have the right program. Key has helped students and families finance education for more than 45 years.


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