STAFFORD LOAN PREFERRED LENDER LIST

The following is our Stafford Loan Preferred Lender List. This list of recommended lenders has been provided to help you with selecting a lender. We have carefully considered our selections, and we recommend these lenders based on the quality of products and services they provide to students and families. However, you can choose a lender that is not on the list. You have the right and ability to select the lender of your choice, are not required to use any of the lenders on this list, and will suffer no penalty for choosing a lender that is not on the list.

For more information, please contact the lender, or visit the specific lender’s website. To apply, click on the Apply Now link: this will take you to the New York State Higher Education Services Corporation (HESC) website where you can complete the electronic Master Promissory Note (e-MPN).

IMPORTANT: You must complete the FAFSA at www.fafsa.ed.gov to receive a Stafford Loan.

If you have any questions, you are encouraged to contact the Financial Aid Office.

Note: Borrower benefits are subject to change solely at the discretion of the lender.

LENDER INFORMATION	BORROWER BENEFITS
Bank of America 1.800.835.1161 Lender Code: 831495 Apply now	Zero percent origination fee Earn 0.25% interest rate reduction after the first on-time payment for Bank of America checking or savings customers. Once earned, the interest rate reduction remains for the life of the loan. Auto-debit payments are not required.
Chase Bank 1.888-487-4404 Lender Code: 803000 Apply now	0.25% automatic interest rate reduction at repayment, valid for remainder of loan term
Citibank 1.800.967.2400 Lender Code: 826878 Apply now	Earn 0.50% interest rate reduction at repayment Earn 0.25% interest rate reduction with auto-deduct Effective January 1, 2008
Citizens Bank 1.800.708.6684 Lender Code: 807745 Apply now	Zero origination fee Earn 0.30% interest rate reduction with auto-deduct
Edamerica 1.800.337.1009 Lender Code: 831453 Apply now	0.25% interest rate reduction with auto-debit
Key Bank (800) 539-5363 Lender Code: 811025 Apply now	.50% interest rate reduction for direct debit of payments
Nellie Mae 1.877.332.7028 Lender Code: 829076 Apply now	Earn 3.33% principal reduction after 33 consecutive on-time payments Earn 0.25% interest rate reduction with auto-deduct You must signup on "Manage Your Loans" prior to entering repayment to receive account information at a valid e-mail address
PNC Bank 1.800.762.1001 Lender Code: 809921 Apply now	Zero origination fee Earn 0.30% interest rate reduction with auto-deduct
Sallie Mae Education Trust 1.888.272.5543 Lender Code: 802218 Apply now	Loan credit equal to 4% of the monthly payment amount of first 12 payments
Other Lender If you wish to borrow with a lender not listed above, please apply here. Apply now	n/a

updated 3/26/08

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STAFFORD LOAN PREFERRED LENDER LIST

LENDER INFORMATION

BORROWER BENEFITS

1.800.835.1161

Lender Code: 831495

Zero percent origination fee Earn 0.25% interest rate reduction after the first on-time payment for Bank of America checking or savings customers.

Once earned, the interest rate reduction remains for the life of the loan.

Auto-debit payments are not required.

1.888-487-4404

Lender Code: 803000

0.25% automatic interest rate reduction at repayment, valid for remainder of loan term

1.800.967.2400 Lender Code: 826878

Earn 0.50% interest rate reduction at repayment Earn 0.25% interest rate reduction with auto-deduct Effective January 1, 2008

1.800.708.6684

Lender Code: 807745

Zero origination fee Earn 0.30% interest rate reduction with auto-deduct

1.800.337.1009

Lender Code: 831453

0.25% interest rate reduction with auto-debit

(800) 539-5363

Lender Code: 811025

.50% interest rate reduction for direct debit of payments

1.877.332.7028

Lender Code: 829076

Earn 3.33% principal reduction after 33 consecutive on-time payments Earn 0.25% interest rate reduction with auto-deduct You must signup on "Manage Your Loans" prior to entering repayment to receive account information at a valid e-mail address

1.800.762.1001

Lender Code: 809921

Zero origination fee Earn 0.30% interest rate reduction with auto-deduct

1.888.272.5543 Lender Code: 802218

Loan credit equal to 4% of the monthly payment amount of first 12 payments

Other Lender

If you wish to borrow with a lender not listed above, please apply here.

n/a

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Zero percent origination fee
Earn 0.25% interest rate reduction after the first on-time payment for Bank of America checking or savings customers.

1.800.967.2400
Lender Code: 826878

Earn 0.50% interest rate reduction at repayment
Earn 0.25% interest rate reduction with auto-deduct
Effective January 1, 2008

Zero origination fee
Earn 0.30% interest rate reduction with auto-deduct

Earn 3.33% principal reduction after 33 consecutive on-time payments
Earn 0.25% interest rate reduction with auto-deduct
You must signup on "Manage Your Loans" prior to entering repayment to receive account information at a valid e-mail address

Zero origination fee
Earn 0.30% interest rate reduction with auto-deduct

1.888.272.5543
Lender Code: 802218