* Variable Rate: 6.69% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 3.78% accrues $1701.00 in interest during 4 years in school and the 6-month grace period, resulting in 6.69% APR. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Private Student Loan, see the Application Truth in Lending Disclosure. Fixed Rate: 13.57% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 7.49% accrues $3370.50 in interest during 4 years in school and the 6-month grace period, resulting in 13.57% APR. Rate is variable and can change quarterly. For further information on rates and costs for the Fixed Rate Private Student Loan, see the Application Truth in Lending Disclosure. For Private Student Loans, the APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR. The minimum loan amount is $1,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater.

¹ APR is annual percentage rate. Rates and fees are subject to change. Rates shown are for up to 80% loan-to-value. Closing costs are waived, except the appraisal cost or title insurance if required. Appraisal costs range from $300 to $600 depending on the loan amount. Property insurance is required. Variable line of credit—During the 15-year draw period, the minimum monthly payment for HELOC 80% and HELOC 90% will be the greater of (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle. The minimum monthly payment for HELOC 100% will be (a) $100 or (b) 1.5% of the outstanding balance, whichever is greater. However, if you exceed the maximum principal loan balance allowed under your agreement, you will also be required to pay an amount sufficient to reduce your principal loan balance to the maximum principal loan balance allowed under the agreement. Balances of less than $100.00 must be paid in full. Late payment fee: $10 or 5% of the unpaid amount due, whichever is less. Rate indexed to prime. APR is subject to change monthly but cannot exceed 18%. The rate will never fall below 4.49% for HELOC 80%, 4.99% for HELOC 90%, or 7.99% for HELOC 100%. No annual fees.

² 15.39% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 7.90% accrues $3555.00 in interest during 4 years in school and the 6-month grace period, resulting in 15.39% APR. The APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate.

³ Monthly Payments and total cost are based on borrowing $10,000 for the maximum term and best rate within each loan type, and do not include interest-only payment options. All deferred payment scenarios include 4 years of deferment and 6 months of grace period, where allowed. Total costs include any upfront fees that are not added to the loan amount.

⁴ For variable rate loans, a 6% higher rate scenario is included to show a reasonable potential rate range over the life of the loan.