alternative loans…… a beacon of hope for your students?

Alternative Loans……

A Beacon of Hope for Your Students?

Alternative Loans….A Beacon of Hope for Your Students?

•What Are Alternative Loans?•Why Borrow an Alternative

Loan?•Types of Alternative Loans•Debt Management Tactics

What are Alternative Loans?

• Alternative Loans are loans that are not federally backed or insured.

• Typically the lenders are taking the financial risk on these loans

How Lenders Minimize Risk with Alternative Loans

• Tiered pricing based on school information

• Use of Co-borrower

• Tiered pricing based on borrower (and co-borrower) credit record

Alternative Loans On the Rise

• In 2005-06, private loans represented 20% of all education borrowing - $17.3 Billion (An increase of 900% in inflation-adjusted terms from 1995-96 to 2005-06)

• Federal education loan programs totaled $68.6 Billion in 2005-06

Source:ACE Issue Brief titled “Who Borrows Private Loans?”

Aug 2007 – author Jacqueline E. King

Why such an increase?

• Rising cost of tuition

• Direct to Consumer campaigns

Why Such an Increase• Alternative Locator• http://www.theeasystudentsloans.com/• Apply For A Student Loan

Avoid High Interest Credit Cards & Don't Pay A Cent Until Graduation.www.gmacbankfunding.com

• Easy Student LoanBorrow up to $45,000 a year to pay for your college expenses.moneyforcollege.suntrust.com

• Astrive Student LoansLearn Now Pay Later - No Payments Until 6 Months After Graduation.www.GetAstriveLoan.com

• Student Loan SolutionUp To $40K For College, Go To Your First Choice School, Apply Online.www.1.nationalcity.com

• Get a Student Loan FastApply in Minutes, Check Sent to You. No Payments Until Graduation.www.TuitionWiseLoans.com

• Student Loan SolutionBorrow Up To $40K Per Year Now With No Payments Until You Graduate.www.citizensstudentloan6.com

• Get Loan Online, Quick ApproveBad Credit Rating? Need A Loan? We Have The Top Sites Here.www.hatarka.com

• Get A Student Loan FastGet Your Check in About a Week. Don't Pay a Cent Until Graduation.www.ThinkStudentLoans.com

• Chase LoansLow rates, flexible student loan repayment options. We can help you get up to $40,000 per school year. Official Chase student loans Web site.www.collegeloansite.com

• College Planning GuideFree Keybank College Planning Guide Order Your Copy Online Today.Key.com/collegeguide

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E2%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26KTo6bnxszqgMYKTPDFx25bydb6%3A9uvEqm%3AHueg6jNyYPG9bLQGnNO9UfWyw2Qe%7BQDV%266GbNYL%266Gw6ogjEGhbLSWvPFfsqkeMK%7B5l6NLvhXn2yw%263ExiyPwroZWHP4lHPmbC%5B6L%7Bo%263E8MKecwck%3AH%3ApZG%7BRwrqcKkxN31x%263EJeHMof42%5Bvrh4%5Bd9SRqM%5B519H2LqxQTNCTEO3e6j7TCquC4Z1nof41EiBBLTro5ym%263Es2jHW1Kq%266GrQLfKFQq8g2lqH%5BZPIs%7BZ2UQiYRwfR%266Gu1%266GJ3U4%5BkO53bE7V3P%5BV6S93LDgOWTri22qyww%263EbHNd8IXiWkkD6HKsVG3fnOl9jJhFlFQD3gxjC%5Bh6uuFkfM9xYO%5B%7BC%263EV%7BrBwQqXYWmJlWRr%3A73QOCYvxEK3Ht1CnbPG%3AcbvElZQ%263EOP5Tp%263F%27zbsht%3Exxx%2Fhnbdcbolgvoejoh%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E2%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26KTo6bnxszqgMYKTPDFx25bydb6%3A9uvEqm%3AHueg6jNyYPG9bLQGnNO9UfWyw2Qe%7BQDV%266GbNYL%266Gw6ogjEGhbLSWvPFfsqkeMK%7B5l6NLvhXn2yw%263ExiyPwroZWHP4lHPmbC%5B6L%7Bo%263E8MKecwck%3AH%3ApZG%7BRwrqcKkxN31x%263EJeHMof42%5Bvrh4%5Bd9SRqM%5B519H2LqxQTNCTEO3e6j7TCquC4Z1nof41EiBBLTro5ym%263Es2jHW1Kq%266GrQLfKFQq8g2lqH%5BZPIs%7BZ2UQiYRwfR%266Gu1%266GJ3U4%5BkO53bE7V3P%5BV6S93LDgOWTri22qyww%263EbHNd8IXiWkkD6HKsVG3fnOl9jJhFlFQD3gxjC%5Bh6uuFkfM9xYO%5B%7BC%263EV%7BrBwQqXYWmJlWRr%3A73QOCYvxEK3Ht1CnbPG%3AcbvElZQ%263EOP5Tp%263F%27zbsht%3Exxx%2Fhnbdcbolgvoejoh%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E3%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26CTo6bnxszreM%7BCUPrMz2xbydb6%263EtKvDKi5I%3Aed6jNyYPK%266G%5BrYEoNK9UPyyw2Qe%7BQbW%3AbRgKgQ%263Elg%263EPGBjQSmLCIPUqkeMKzZx1QrznVX2yw%263Exiyf%266GhoJGKQI5EPmbC%5B%5BL%7Bm%263E8NJNDpgoOP%266GJtE338Cwwywzd73yP5dHckc%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOG2xO3VDDFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn9v%3AXeXqlZxQLB3ErLtzuh8WkUwKoORoJDwYiNZZpk3Jfq8tIHXN2i2%263E8UsrcN%5BwI%263EykrHI6SN%7BQSjc7PCx%266GLRdjEfD1ZybyeEerv1MfJuFUItsCsjI9c%263EYUU3ByNydN8efjb%5B5M5Sv%5BmEevIUgcT6YC7TKJF%3AKg%27zbsht%3Enpofzgpsdpmmfhf%2Ftvousvtu%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E3%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26CTo6bnxszreM%7BCUPrMz2xbydb6%263EtKvDKi5I%3Aed6jNyYPK%266G%5BrYEoNK9UPyyw2Qe%7BQbW%3AbRgKgQ%263Elg%263EPGBjQSmLCIPUqkeMKzZx1QrznVX2yw%263Exiyf%266GhoJGKQI5EPmbC%5B%5BL%7Bm%263E8NJNDpgoOP%266GJtE338Cwwywzd73yP5dHckc%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOG2xO3VDDFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn9v%3AXeXqlZxQLB3ErLtzuh8WkUwKoORoJDwYiNZZpk3Jfq8tIHXN2i2%263E8UsrcN%5BwI%263EykrHI6SN%7BQSjc7PCx%266GLRdjEfD1ZybyeEerv1MfJuFUItsCsjI9c%263EYUU3ByNydN8efjb%5B5M5Sv%5BmEevIUgcT6YC7TKJF%3AKg%27zbsht%3Enpofzgpsdpmmfhf%2Ftvousvtu%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E4%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26%5BToKbnxsfjec%7BBUfTFzm5bydb699moD6%5ByH%3AWd9XR9Ef2%263E%5B7sBndyySPyv%263EG%263EOxQfT%266Gb9gM%266GIzn%266GrKHhnJR2fOFPcqkeMK%7Bp9%3AQ7rlVORgtZS%7Bz%263E8soJ6MQIdEzm%263EC%5BqL%7Bo%263EwLJOcwck%3AH%266G5pBzy3Qkrlu%7BN71y%263E5%5BHc%7Bf3WG68R3GMNmcvfl%266G1K8PY6lQUMBofLrem2PfePqIztplx%263EDlciBjPjrk5Xi73G%263EDJlNOu%266GIBf5tYw7w%7BopfHbPs%266GjphL%5BiIDu82%7BuFIIm38fkd94ZzUHo%263EJNoTuGfdixVR%7BO%3AGS%263E%3AsjPzg94HoyXkkD6HKsVG3fnOl9jJhFlFQD3gxjC%5Bh6uuFkfM9xYO%5B%7BC%263EV%7BrBwQqXYWmJlWRr%3A73QOCYvxEM3Ht1CnbPG%3AcbtElZQ%263EOP5Tp%263F%27zbsht%3Exxx%2FHfuBtusjwfMpbo%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E4%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26%5BToKbnxsfjec%7BBUfTFzm5bydb699moD6%5ByH%3AWd9XR9Ef2%263E%5B7sBndyySPyv%263EG%263EOxQfT%266Gb9gM%266GIzn%266GrKHhnJR2fOFPcqkeMK%7Bp9%3AQ7rlVORgtZS%7Bz%263E8soJ6MQIdEzm%263EC%5BqL%7Bo%263EwLJOcwck%3AH%266G5pBzy3Qkrlu%7BN71y%263E5%5BHc%7Bf3WG68R3GMNmcvfl%266G1K8PY6lQUMBofLrem2PfePqIztplx%263EDlciBjPjrk5Xi73G%263EDJlNOu%266GIBf5tYw7w%7BopfHbPs%266GjphL%5BiIDu82%7BuFIIm38fkd94ZzUHo%263EJNoTuGfdixVR%7BO%3AGS%263E%3AsjPzg94HoyXkkD6HKsVG3fnOl9jJhFlFQD3gxjC%5Bh6uuFkfM9xYO%5B%7BC%263EV%7BrBwQqXYWmJlWRr%3A73QOCYvxEM3Ht1CnbPG%3AcbtElZQ%263EOP5Tp%263F%27zbsht%3Exxx%2FHfuBtusjwfMpbo%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E5%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26GToqbnxs%263Esdc8MTfbIy2lbydb69dirD6%5B%266GI%3Aeg6jNyYPG%263EbrwHo9y9UfWyw2Qe%7BQbR%266GrBVKQc%266GoQ%263EDHhbMR2bBIvYqkeMK%7BJN2O73myPdZ55JgyvsinJ%5BIiFd3gz79gOH%263EowjeZew%3APY2M7QyckiDZ%266GwiryNb4xP9dGrzKjW9rqBjeO9qX5OZri9sCX627UsZhe%3A4wmDfBJd%3AOz5yGpQ%263EmQzVWYmno6nm%266G3F%7BgLUe8w7kUgptCq8U5nKoKQf7p%7B%5BpYfykNqbq%7Br2sUoTwEk%5BxzZ4g4zJF7IH9yX%3AfkNXUM3V78oV8sPNUsLdpz7E3wY63PHjjqKSd6MypzE%266GzrVxTJd%7Bihv1%266GEKwqGIq3tvF%7BrWgQHH4Gkc2FG%263EZMtOdJRtmgG%7Bjx%266GTHvZVNUbvR66Bh%263F%263F%27zbsht%3Exxx%2F2%2Fobujpobmdjuz%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E5%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26GToqbnxs%263Esdc8MTfbIy2lbydb69dirD6%5B%266GI%3Aeg6jNyYPG%263EbrwHo9y9UfWyw2Qe%7BQbR%266GrBVKQc%266GoQ%263EDHhbMR2bBIvYqkeMK%7BJN2O73myPdZ55JgyvsinJ%5BIiFd3gz79gOH%263EowjeZew%3APY2M7QyckiDZ%266GwiryNb4xP9dGrzKjW9rqBjeO9qX5OZri9sCX627UsZhe%3A4wmDfBJd%3AOz5yGpQ%263EmQzVWYmno6nm%266G3F%7BgLUe8w7kUgptCq8U5nKoKQf7p%7B%5BpYfykNqbq%7Br2sUoTwEk%5BxzZ4g4zJF7IH9yX%3AfkNXUM3V78oV8sPNUsLdpz7E3wY63PHjjqKSd6MypzE%266GzrVxTJd%7Bihv1%266GEKwqGIq3tvF%7BrWgQHH4Gkc2FG%263EZMtOdJRtmgG%7Bjx%266GTHvZVNUbvR66Bh%263F%263F%27zbsht%3Exxx%2F2%2Fobujpobmdjuz%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E6%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh2%263E6To6bnxsnqes%266GKU%263EPIxm5bydb699yuDqO%263EGuWd9nR9Ef29crwGnNS%263ETf2o%263EG%263EOxQTe%266GrZYLQY%7BnwnLGh3PRGXKIPQqkeMKzpp6NrblYnmytPxix%263EotoZeHPo7vV27tPe%263E3of%7BNOpf5NomN%263Ep9WwlYb9QCtxtr4yPdZG8sg%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOG2xO3VDTFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn5cpUeQMzORMPhgb6Lh9vVDHjksZoe9%3Adn%7BU4M5t1Xyoy6sIdFbD3WV6%263EfwT%7BcfDfpfojpj%5BfeoQSjg7ZWRrL1hpEPf9ghbC%5BkykpYIXKdNgM%5BE%266GwocSB%3A8TE3KJOh%5BEs9YmgNtF6yv%5BmkesIUgDHrQw%263EzKMOvep2xzzsnDoz41%263F%27zbsht%3Exxx%2FUvjujpoXjtfMpbot%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E6%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh2%263E6To6bnxsnqes%266GKU%263EPIxm5bydb699yuDqO%263EGuWd9nR9Ef29crwGnNS%263ETf2o%263EG%263EOxQTe%266GrZYLQY%7BnwnLGh3PRGXKIPQqkeMKzpp6NrblYnmytPxix%263EotoZeHPo7vV27tPe%263E3of%7BNOpf5NomN%263Ep9WwlYb9QCtxtr4yPdZG8sg%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOG2xO3VDTFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn5cpUeQMzORMPhgb6Lh9vVDHjksZoe9%3Adn%7BU4M5t1Xyoy6sIdFbD3WV6%263EfwT%7BcfDfpfojpj%5BfeoQSjg7ZWRrL1hpEPf9ghbC%5BkykpYIXKdNgM%5BE%266GwocSB%3A8TE3KJOh%5BEs9YmgNtF6yv%5BmkesIUgDHrQw%263EzKMOvep2xzzsnDoz41%263F%27zbsht%3Exxx%2FUvjujpoXjtfMpbot%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E7%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26uTq%5Bbnxs%263Ejes%266GPUPDBxGtbydb69NurDNmKM9Wd9XR9Ef2%3AbLUFl9WxSPyv%263EG%263EOxQTY%266GLJYLgs9ngjDHxbQR2LPIgXvhpIC%7BZt%3AOrzjXZWytPxix%263EkpmpCLQI3vV27uPe%263E3nfwNOpf5No%5BM%3A59WwlYb9QCtzdv%266Gy%263EB%5BGsse%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOF6ru34QjFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn5bbg8LqlZxQLB3ErLtzuh8WkUwKoORoJDwYiNZZpk3Jfq4tIHXN2i2%263E8bN%7Bw2MvHey283bjTerJRIzvQxZvQiZvFg73g%7BrQd%7BemwlgXO9Bqdrc7%263EHISWPUFUU%5B3Km5E79YmZNtB%3AWzTx%7Bq5XjXWUpPHuT6pBuJ%263F%27zbsht%3Exxx%2Fdjuj%7Bfottuvefoumpbo7%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E7%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26uTq%5Bbnxs%263Ejes%266GPUPDBxGtbydb69NurDNmKM9Wd9XR9Ef2%3AbLUFl9WxSPyv%263EG%263EOxQTY%266GLJYLgs9ngjDHxbQR2LPIgXvhpIC%7BZt%3AOrzjXZWytPxix%263EkpmpCLQI3vV27uPe%263E3nfwNOpf5No%5BM%3A59WwlYb9QCtzdv%266Gy%263EB%5BGsse%7BhNq%3Ah7MeeJTwQJl%3A9%266GGM6i8UdGSf7zSm2DSdZpSnOF6ru34QjFUMT%7BVmnpPsDozNn%3AzqrsUfqFMwc4wn5bbg8LqlZxQLB3ErLtzuh8WkUwKoORoJDwYiNZZpk3Jfq4tIHXN2i2%263E8bN%7Bw2MvHey283bjTerJRIzvQxZvQiZvFg73g%7BrQd%7BemwlgXO9Bqdrc7%263EHISWPUFUU%5B3Km5E79YmZNtB%3AWzTx%7Bq5XjXWUpPHuT6pBuJ%263F%27zbsht%3Exxx%2Fdjuj%7Bfottuvefoumpbo7%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E8%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26qTlqbnxs%263EteM4OUvbLz2xbydb69NqtD%5BC6Iu%5BJpT6hWP%5B4b7sJn9SvIMGr8x%7BW%7BgPX%263ELJUMwU%7BogjKHx3LUGTgTM4z3J%7BHyJjuBKo%263EWOKIicBmx%263EyCrc%5BSgIJFZXf3fdUw4%263EQPJuQ%263EQ3h5qtxP%7BCzb%3AgSpyNnzxPZJRfwWjh1ttlrGd6%5Bz8rZwh88FXq5OQ8qSDe7ZiYgGg%5BxR%263E%263EyElfziPW%5BhMTnlmy1b%3AWfIJD66w7%7BKeKFJ6%5BECsOvWQML%263E2dlDOCYO6MdosVsEm%7BrMnO%3AvR%7Bvx7k%3Apql65GQrjenvZifddDKwwkfTLg%3AGkrHI5SKXIVzT2Ni15JSpzQgL%266GbhzDgEC5u4HFINGFN7c7s3I%263EGvEDBDJkeBK%5B5uTjb%5BxM5yv%5BkUeqDYEKT6U3jC9%263F%27zbsht%3Exxx%2Fibubslb%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456




http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E9%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26uTl%5Bbnxs%263EudcoPTPDHyGdbydb6%3AtupC6C%3AHued6jNyYPG9c7MCoN29UPyyw2Qe%7B%266Gbe%3Ab5fKgczoQvOGB7ORWPCE8Li1ZUO%7BpJ6Qr5Wc%263EZZjsFwyf8rop%5BKmF53gz79guD5owjeZew%3AQo2M7QyckiDZ%266GQeox93%266GxfR%5BG7zKjW9rqBjeO9qX5OZri9sCX627UsZhe%3A4wmDfBJd%3AOz5yGpOrmQzVWYmno6nm%266G3F%7BgLUe8w7kUgptCq8U5%3ArzpY8gxzZheJmUQr7V%3A%263EG4TkDsJm962%5Bz%263EQ%266GQKs9%3AJ2gcvBQ3vEomqrqVMtMNgsLNpz7E3wY63PHjjqKSd6MypzE%266GzrVxTJd%7Bihv1%266GEKwqGIq3tvF%7BrWgQHH4Gkc2FG%263EZMtOd5RtmgG%7Bjx%266GTHvgSJPHuT6pBuJ%263F%27zbsht%3Exxx%2FUijolTuvefouMpbot%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E9%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26uTl%5Bbnxs%263EudcoPTPDHyGdbydb6%3AtupC6C%3AHued6jNyYPG9c7MCoN29UPyyw2Qe%7B%266Gbe%3Ab5fKgczoQvOGB7ORWPCE8Li1ZUO%7BpJ6Qr5Wc%263EZZjsFwyf8rop%5BKmF53gz79guD5owjeZew%3AQo2M7QyckiDZ%266GQeox93%266GxfR%5BG7zKjW9rqBjeO9qX5OZri9sCX627UsZhe%3A4wmDfBJd%3AOz5yGpOrmQzVWYmno6nm%266G3F%7BgLUe8w7kUgptCq8U5%3ArzpY8gxzZheJmUQr7V%3A%263EG4TkDsJm962%5Bz%263EQ%266GQKs9%3AJ2gcvBQ3vEomqrqVMtMNgsLNpz7E3wY63PHjjqKSd6MypzE%266GzrVxTJd%7Bihv1%266GEKwqGIq3tvF%7BrWgQHH4Gkc2FG%263EZMtOd5RtmgG%7Bjx%266GTHvgSJPHuT6pBuJ%263F%27zbsht%3Exxx%2FUijolTuvefouMpbot%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456

http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E%3A%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh26STo6bnxsnue8oCUPbCzm5bydb6996sEqG5I%3AWg9nR9Ef29crgKn9G9Tfyo%263EG%263EOxQvd%3AL9TLQM6ow3KFBnQR2bBH%263EMqkeMKz5l7O7%263EmY3myw%263Exixf%266Grm5KQOItEOmbC%5BKL%7BnvkKJNDpgoOQ%263EpZE338CwwywxN7xyPBdFMwR41RqrmHHgt%3AO%263E%266GG8kMsBM6xMPMVnf%3A4tnzMhe62Xnp%3A5lM3VEidULT7mli1KrG%7B%7BWjZhsLoKZplYv8I6iJ7SHdgOrp2UQiYRwfR%266Gu1%266GJ3U4%5BkO53bE7V3P%5BV6S93LDgOWjri22qyww%263EbhS8pjfmUwjc%263EI9I%5BBTDhcCtmPCB%7BBgzrZRreTkCruFgcLtRDKLbumYf9Ru8TXHKoeBKG5uHxMqef8hUfo3CkD4EKC%5Bkgso6FN9Og5R%263F%263F%27zbsht%3Exxx%2Fdpmmfhfmpbotjuf%2Fdpn%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456










http://www.theeasystudentsloans.com/click.php?c%3EeHim%5BXG%7BfYO1eXSmcoS%7BcH%3AicoNvZ3%3Au%27lfzxpset%3EFbtz%2CTuvefou%2CMpbo%27sbol%3E21%27f%3Evt%3CVT%3C9%3C3%3C2%3C217661%3A%3Cjoufsdptnpt%60bggjmjbuf%604%60e3s%60efsq%3Ctepxefmm%3C938%3C938%27vsm%3Eiuuq%3B00sd23%2Fpwfsuvsf%2Fdpn0e0ts0%40ybsht%3E26LQkh2%263EmTl6bnxsnugMoJUPrDyW5bydb69N6rE%5BC6G%3ACg9nR9Ef28cbIIndexTfyo%263EG%263EOxQHS%263E7FWLQszoQLNFRbPRGrNHPQqkeMK%7BJt%3A%5B6zi6fe%266G3M5uyP8po5KOPY7rV2%266GyeOf%263E3uo9O%5Bg1P4uQ%266GqmxmW7V%266GQOtzNr%266G%7BPZbFc%7BPjRO2rRPBbJ2Ww72ghtsGL%263EhPPc%5BSDuHe6THY%5Bt1UyuxmpO3UQzFYM24R5X1L3TjXf%7B25qcEMZp1Otbwxl%266Gf9XeXqlZxQLB3ErLtzuh8WkUwKoORoJDwYiNZZpk3JfqEtIHXN2i2%263E8bPfzbvJdiiYChbgXOrJRY%7B4eyNtdSxwGwbscxrefE6%266GkV%266GSKdxbLKkrs1z%3Ac%263EXFU1%3A%7BOyGC%263EZMxOdRD%3AWzRx3OBVTbvgucbvjuNOfS6hCgjhmH3%27zbsht%3ELfz%2Fdpn%263Gdpmmfhfhvjef%27gffe%3E0e0tfbsdi0q0joufsdptnpt0ynm0epnbjomboefs0joum0e3s0gfg0qpqdbu0w30%27qsjdf%3E%27tbq%3E896456



Why Borrow an Alternative Loan?

“My school does not participate in the FFEL program.”

No loans

Why borrow an Alternative Loan?

• Span the gap between Cost of Attendance and Aid

• Additional costs for special programs, like Study Abroad

COST

Alternative Loan

Grants Scholarships

Federal Loans Work


• Student is not maintaining Satisfactory Academic Progress

• Student is not enrolled at least half-time

• Student may not be enrolled as a “regular” student


• Bar Study Loan

• Residency Relocation Loan

Types of Alternative Loans

• School certified loans

• Loans NOT certified by the school

What type of loan is best?

The answer is the same as it is for all financial aid questions . . .

It depends!

What type of loan is best?

• All are not created equal– Commercial Paper– Libor– T Bill– Minimum credit score requirement – Credit of borrower

School Certified Loans

• Can control the amount of loan a student borrows (Cost minus other aid)

• Record of alternative loans used by your students

• More accurate information if you are engaged in debt management counseling.

Loans NOT Certified by School

• It’s between the lender and the borrower

• No opportunity for school to conduct debt management counseling

Loans NOT Certified by School

• Consumer determines which loan to use, so he/she is not limited by school recommendation

• Flexibility in disbursement, etc.• Amount is not tied to cost of attendance

Debt Management

• What are you doing?• Are you concerned about your

students borrowing patterns?

PLUS Alternative

• Parent debt• Fixed interest rate• No FAFSA required

(at some schools)• Additional Unsub

available if PLUS is denied

• Student debt (but parent might be co-borrower)

• Variable interest rate

• No FAFSA

GPLUS Alternatives

• Security• Benefits• Possible

consolidation• In-school

deferment • Repayment options

• Flexibility• Greater amount• Deal with lender

only• No FAFSAA

Selecting an Alternative Loan Lender

Should the student use his Stafford lender?

YesCombined bill?Less likely to default?

NoPerhaps not as flexible a program?Perhaps won’t be the best deal?

Questions/Comments

Alternative Loans……

A Beacon of Hope for Your Students?

alternative loans…… a beacon of hope for your students?

Documents

student loan solution

loans slide

comeasy student loan

astrive student loans

private loans

chase loans low rates

school year

king slide