| Got this semester covered but wondering how you're | | | | with NextStudent, and you could qualify for |
| going to pay for next semester? If mom and dad can't | | | | NextStudent's rate reduction rewards.*  |
| help you out as much as they want to, you might | | | | Get an immediate 0.25% rate reduction as soon as |
| consider applying for a Federal Stafford Loan. Federal | | | | you sign up to have your student loan payments |
| Stafford Loans are one of the most affordable | | | | automatically deducted from your savings or checking |
| student loans available to you, with a low 6.8% fixed | | | | account. Lower your rate and never have to worry |
| interest rate. And as long as you're enrolled in college | | | | about late payments or lost mail.  We'll |
| at least half-time, you don't have to start repaying your | | | | knock another 1% off your rate after your first 36 |
| Stafford loan until you're out of school. Let Both | | | | on-time payments. And we'll lock in this 1% rate |
| Stafford Loan Options Work for You The Stafford | | | | reduction for the life of the loan, even if you miss a |
| Loan Program offers two types of student loans: | | | | payment later on down the road.  OR |
| subsidized Stafford loans (awarded on the basis of | | | | make 48 consecutive on-time payments and lower |
| financial need) and unsubsidized Stafford loans | | | | your rate by 2%. And after graduation, you can |
| (non-need-based). With a subsidized loan, the | | | | choose to consolidate both your unsubsidized and |
| government will pay for any interest that accrues while | | | | subsidized Stafford loans with a NextStudent Federal |
| you're in school, when you're in deferment, and during | | | | Student Loan Consolidation. You get more time to |
| your grace period. With an unsubsidized federal | | | | repay, and you could substantially lower your monthly |
| stafford loan, you're responsible for all interest that | | | | payment. So don't stress about paying for college on |
| accrues, even when you're not making student loan | | | | your own. Apply for your NextStudent Stafford loan |
| payments. Any interest that accrues while you're in | | | | today, and let us help you make paying for school as |
| school, in deferment, or in a grace period will be added | | | | simple as possible! NextStudent believes that getting |
| to your principal loan amount for you to repay once | | | | an education is the best investment you can make, |
| your repayment begins. You may qualify for either | | | | and we are dedicated to helping you pursue your |
| type of Stafford loan or a combination of both. | | | | education dreams by making college funding simple. |
| Applying for a Stafford Loan With NextStudent Is | | | | Learn more about Student Loans, Private Student |
| Simple Just complete your FAFSA (Free Application | | | | Loans and Student Loan Consolidation at |
| for Federal Student Aid), and you're already started! | | | | *NextStudent will discontinue all interest rate discount |
| There's no credit check. You just need to meet the | | | | benefit plans if Congress enacts the College Cost |
| eligibility requirements:  High school diploma | | | | Reduction Act of 2007. It is not certain at this time if |
| or GED  Enrolled or accepted in an eligible | | | | that legislation will be enacted. If it is, it is not known |
| undergraduate program, attending at least half-time | | | | what its effective date will be. Provisions within the |
|  Maintaining satisfactory academic progress, | | | | pending legislation would change the fee structure and |
| as determined by your school  U.S. citizen or | | | | yields for lenders that make federal education loans. It |
| permanent resident  Not in default on any | | | | is not known at this time on which date the new |
| federal student loans  Registered with the | | | | provisions will take effect, nor whether they would be |
| Selective Service if you're male and between the | | | | applied to loan applications that had been submitted |
| ages of 18 and 25 Once you're approved for your | | | | prior to that date but not yet funded. NextStudent will |
| Stafford loan, a check will be sent to your school. You | | | | not offer the interest rate discount benefits for those |
| have 14 days to decide whether you want to use the | | | | applications that are subject to the new provisions. |
| entire Stafford loan amount or only part of it. After | | | | NextStudent will make its best efforts to process all |
| your tuition and other school-billed fees are paid, you're | | | | applications it receives prior to the date the new |
| free to use any leftover Stafford funds for your | | | | provisions take effect, but cannot guarantee that your |
| books, supplies and other college-related expenses. | | | | application will be processed in time for the interest |
| Even More Benefits With an Undergraduate Stafford | | | | rate discount benefits to apply. |
| Loan From NextStudent Take out your Stafford loan | | | | |