1.  Our student loan product is designed to help students consolidate their outstanding federal student loans with the Department of Education.  By doing this we aid students in obtaining the lowest monthly payment obligation available to them, usually 50-90% lower than what they are already paying. In addition to the lower monthly payment, all of the consumer's deferment and forbearance benefits are reset giving them the opportunity to delay payment entirely in the event of financial hardship.

2. Direct Consolidation Loan The result is a single monthly payment instead of multiple payments  A Direct Consolidation Loan allows you to consolidate (combine) multiple federal student loans into one loan. The result is a single monthly payment instead of multiple payments. fixed interest based on the weighted average of the interest rates  A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%. However, the rate will not exceed 8.25% via Auto Debit, than they can take advantage of a quarter % less  If the client decides to pay his SL monthly payments via Auto Debit, than they can take advantage of a quarter % less interest rate.

3.  Takes the loan out of default status.  One Lender and One Monthly Payment.  Flexible Repayment Options.  No Minimum or Maximum Loan Amounts.  There is no minimum amount required to qualify.  Varied Deferment Options.  Borrowers qualify for renewed deferment benefits. If borrowers have exhausted the deferment options on their current Federal Education Loan. Restructuring renew many of those deferment options. In addition, borrowers may be eligible for additional deferment options.  Reduced Monthly Payments.  Restructuring may ease the strain on a borrower's budge by lowering the borrower's overall monthly payment. The minimum monthly payment on a Restructured Educational Loan in most cases is lower than the combined payment s charged on a borrower's Federal Education Loan.  No Credit Check

4.  FFELP Program has $500 Billion Portfolio with over 3o million borrowers.  About 27% of the borrowers have past due balances or are in default.  Roughly an additional 375,000 borrowers default each year.  Nearly 10% of borrowers who began repayments in 2009 defaulted in two years. It's double the zoo rate.  15 Million Students borrowed $117 billion in federal student loans last year. Roughly two% will default in the first a year’s making this a renewable product.  22 Million (FAFSA's) were processed 11 processed for 20-12 Free Applications for Federal Student Aid a 04 increase.

5. STANDARD Plan: Under this plan, monthly payments are a fixed amount, Payments are made for up to 25 years, and Payments are made for up to 25 years, and Generally lower than payments made under the 10 year Standard and/or Graduated Repayment Plans. GRADUATED Plan: Start out low and increase every two years, Payments are made for up to 25 years, Payments are made for up to 25 years, Will never be less than the amount of interest that accrues between payments, and

6. INCOME CONTINGENT REPAYMENT (ICR) Plan: Under this plan, your monthly payments are made for a maximum of 25 years; Based on your adjusted gross income, your family size, and the total amount of your Direct Loans; and Based on your adjusted gross income, your family size, and the total amount of your Direct Loans; and Loans That Are Not Eligible: Federal Family Education Loan (FFEL) Program loans Direct PLUS Loans made to parents, unless consolidated into a Direct Consolidation Loan on or after July 1, 2006 Direct PLUS Loans made to parents, unless consolidated into a Direct Consolidation Loan on or after July 1, 2006

7. INCOME BASED REPAYMENT (IBR) Plan: (BEST SELLER) Under this plan, the monthly payments are based on income and family size and capped at the 10-year standard repayment amount; Adjusted each year, based on changes to your annual income and family size; (Residual Income) Adjusted each year, based on changes to your annual income and family size; (Residual Income) Usually lower payments than under any other plans; and Payments are made over a period of 25 years. Payments are made over a period of 25 years. Loans That Are Not Eligible: Any PLUS loans made to parents FFEL Consolidation Loans that include underlying PLUS loans made to parents FFEL Consolidation Loans that include underlying PLUS loans made to parents Private education loans

8. Pay based on what you earn —Under IBR, the monthly payment amount will be 15 percent of the client’s discretionary income, will never be more than the amount that would be required to pay under the Standard Repayment Plan, and may be less than under other repayment plans. Pay based on what you earn —Under IBR, the monthly payment amount will be 15 percent of the client’s discretionary income, will never be more than the amount that would be required to pay under the Standard Repayment Plan, and may be less than under other repayment plans. Interest payment benefit— If the monthly IBR payment amount doesn’t cover the interest that accrues (accumulates) on the loans each month, the government will pay the unpaid accrued interest on the Direct Subsidized Loan or Subsidized Federal Stafford Loan for up to three consecutive years from repayment start of the loan under IBR. Interest payment benefit— If the monthly IBR payment amount doesn’t cover the interest that accrues (accumulates) on the loans each month, the government will pay the unpaid accrued interest on the Direct Subsidized Loan or Subsidized Federal Stafford Loan for up to three consecutive years from repayment start of the loan under IBR. Limitation on the capitalization of interest— While there is a partial financial hardship, interest that accrues but is not covered by the loan payments will not be capitalized, even if interest accrues during a deferment or forbearance. Limitation on the capitalization of interest— While there is a partial financial hardship, interest that accrues but is not covered by the loan payments will not be capitalized, even if interest accrues during a deferment or forbearance. 25-year cancellation —If the client repays under IBR for 25 years and meet certain other requirements, any remaining balance will be canceled. 25-year cancellation —If the client repays under IBR for 25 years and meet certain other requirements, any remaining balance will be canceled. 10-year public service loan forgiveness —If, while the client is employed full-time for a public service organization, they make 120 on-time, full monthly payments under IBR (or certain other repayment plans) the client may be eligible to receive forgiveness of the remaining balance of the Direct Loans through the Public Service Loan Forgiveness Program. 10-year public service loan forgiveness —If, while the client is employed full-time for a public service organization, they make 120 on-time, full monthly payments under IBR (or certain other repayment plans) the client may be eligible to receive forgiveness of the remaining balance of the Direct Loans through the Public Service Loan Forgiveness Program.

9.  Single Person making $30k per year with $50k in federal student loans: New Loan Payment $165 Versus Standard Payment of $575.40 (Savings $410.40/month or 72% Savings on Standard Repayment)  Single Person with Child making $30k per year with $40k in loans: New Loan Payment $90 Versus Standard Payment of $460.34 (Savings $370.32/month or 81% Savings on Standard Repayment)  Married Couple with Child making $50k with s4ok in student loans: New Loan Payment $265 Versus Standard Payment of $460.32 (Savings $195.32/month or 43% Savings on Standard Repayment)  Married Couple with 2 Children making $50k with $40k in student loans: New Loan Payment rigs Versus Standard Payment of 5460.32 (Savings $265.32/month or 58% Savings on Standard Repayment)

10. What is the Public Service Loan Forgiveness Program? In 2007, Congress created the Public Service Loan Forgiveness Program to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance due on their eligible federal student loans after they have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers.

11. as of Oct. 1, 1998, Client must not have had an outstanding balance on Direct Loans or Federal Family Education Loan (FFEL) Program loans as of Oct. 1, 1998, or on the date a Direct Loan or FFEL Program loan after Oct. 1, 1998, was obtained. Client must have been employed as a full-time teacher for five complete and consecutive academic years, and at least one of those years must have been after the 1997–98 academic year. Client must have been employed as a full-time teacher for five complete and consecutive academic years, and at least one of those years must have been after the 1997–98 academic year. Client must have been employed in an elementary or secondary school that:  is in a school district that qualifies for funds under Title I of the Elementary and Secondary Education Act of 1965, as amended;  has been selected by the U.S. Department of Education based on a determination that more than 30 percent of the school’s total enrollment is made up of children who qualify for services provided under Title I; and  is listed in the Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits. If this directory is not available before May 1 of any year, the previous year’s directory may be used.