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