• Flexible payment options - Repayment can be extended up to 20 years. Minimum monthly payment amount is $50 regardless of amount borrowed
• Desirable loan limits - Minimum loan amount is $1,000; annually, borrow up to entire cost of your education minus other financial aid (for undergraduates)
• High maximum - Maximum cumulative loan amount (including all student loans) without co-borrower is $225,000 for Dental and Medical, $130,000 for Law and $120,000 for all other graduate loans

• High approval rates
• 0.50 percentage point interest rate reduction for auto-debit of your monthly payment when you pay on time! 100% of participating borrowers qualify.
• No fees.
• Competitive pricing that rewards creditworthiness.
• No income requirement.
• Cosigner release available after the first 24 on-time paymentsof principal and interest.
• Zero fees if both you and your cosigner are credit approved
• No payments required for the first six months after degreecompletion
• Signature can be used for past due balances for up to 180 days
• Foreign students can apply with a creditworthy U.S. cosigner
• Upromise Loan Link to help you pay down your loan go to www.salliemae.com/upromise.
• Immediate online credit pre-approval and application at www.53EducationLending.com.
• Financial Aid Hotline: 800-222-7192 for loan application assistance.
• Free Credit Counseling.
• 24/7 online account management with Sallie Mae’s Manage Your Loans.
• Combined billing for borrowers with multiple Sallie Mae loans
• Fifth Third Bank, among the country’s largest bank holding companies.
• Loans serviced by Sallie Mae, America’s #1 Paying for CollegeCompany.

• As low as 7.50 % ( 7.37% APR ) * ( APR Examples )
• CitiAssist Loans have flexible credit guidelines that can help you get approved at the best possible rates. Credit histories for you and any co-signer may be used as a factor in determining your eligibility for a loan. The interest rate charged is a reflection of the credit score of the applicant and a co-signer, if any. Apply Online to get a credit response in 3 minutes or less and see the interest rate for which you qualify.
• No Loan Fees:
  Unlike other student loans, CitiAssist gives you 100% of the money you borrow. There are no origination, guarantee or repayment fees on the standard CitiAssist Loan program. Fees may be charged for certain customized school programs.

• Rates as low as prime + 0%
• Origination fees as low as 0%
• Co-borrower release eligibility after any 24 consecutive, on-time payments
• Interest capitalized once, at repayment, to save you money
• 0.25% interest rate reduction for enrolling in automatic payments
• Combined billing with federal student loans may be available 
• No prepayment penalty
• No payments for six months after graduation or leaving school
• Flexible repayment terms based on loan balance
• You may be able to borrow up to the full cost of attendance, minus any other aid you have received

• You may borrow ALL you need¹, up to your cost of attendance, less other aid.
• No fees deducted from principal.
• No payments during in-school periods.
• Reduced repayment fees for creditworthy borrowers with co-signers.
• No financial need or aid forms are required

¹ You may apply for a Bar Review or CPA Study Loan up to three months after graduation

• Pricing that rewards good credit
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate
• The borrower may apply for cosigner release after successful completion of their education¹
• A 0.25 percentage point interest rate reduction is available for automatic debit²
• A 0.25 percentage point interest rate reduction is available if the borrower provides a valid e-mail address and elects to receive all servicing communications via e-mail³

• Pay a little now, save a lot later—students graduate with less debt with the Sallie Mae Smart Option Student Loan which features interest-only payments while the borrower is in school to avoid capitalized interest
• Unwavering commitment and stability for more than 35 years—we have helped over 21 million students realize their dream of a higher education
• Easy online application and 24/7 online account management
• Combined billing is available for Sallie Mae-serviced student loans
• Available for U.S. citizens in study abroad programs and U.S. citizens studying at medical schools outside the U.S.
• You may be able to deduct the interest you pay on a qualified student loan. Consult your financial advisor for more information or visit http://www.irs.gov/pub/irs-pdf/p970.pdf.
• Join Upromise^® at www.upromise.com and use the rewards you earn on your everyday purchases to help automatically pay down your eligible Sallie Mae-serviced loans with Upromise Loan Link^{® 4}
• Tuition payment plans to help make college costs more affordable
• Sallie Mae's Education Investment Planner^SM—an interactive tool that can help you plan for education expenses based on your family's own unique financial situation

1,2,3,4 Visit www.SallieMae.com/SmartTerms for important information about these benefits.

• No origination, disbursement, or repayment fees
• No payments for up to six months after graduating or ceasing to be enrolled
• Borrow the cost of education (tuition, room and board, and books), minus other financial aid, as determined by school
  • Temporary resident aliens may borrow up to $25,000
• Repayment incentives for automatic and on-time payments