EdAccess Private Student Loan
offered through Studentloans.com

The EdAccess Private Student Loan is a low cost private student loan designed to meet your education needs. The online application is safe, secure and only takes a few minutes. Ready to apply? Apply now!

Main Program Features

• Borrow as little as $2,500 or as much as $30,000 per year. $120,000 lifetime maximum for undergraduate students and $160,000 for graduate students.
• Full interest and principal repayment can be deferred up to 6 months after graduation or leaving school.
• Interest is variable based on the 3-month LIBOR
  • Recent rates for approved loans range from 6%-9%.
• Interest paid on loan may be tax deductible. Please consult your tax advisor.
• Zero fee option available for borrowers who make interest-only payments while enrolled in school
  • Borrower has the option to choose between making interest payments or a nominal $25 "Good Faith" payment towards the loan while in school.
• Use the funds for any qualified educational expense, including past due tuition bills.
• No prepayment penalty and 30-day loan cancellation policy.
• Fast pre-approval once we receive your completed application.

Student Benefits

• Credit + Academic based underwriting
  • The EdAccess Private Student Loan takes into account the credit history of the borrower/cosigner as well as the academic progress of the student. Good grades and getting closer to graduation means a lower loan rate!
• 1% Interest Rate Reduction
  • Once you have entered repayment and repaid just 10% of the loan.
• 30 Day No-Fee Return Policy
  • Find a cheaper way, you can cancel the loan. No questions asked. As long as you cancel within 30 days of disbursement date, you owe no fees and no interest!
• Zero Fees
  • Borrowers that choose to pay loan interest while in school pay no loan origination fees.
• Cosigner release after 24 payments
  • The cosigner may be released from the loan once the loan is in repayment and the borrower has made just 24 on-time payments. The borrower must meet the minimum credit requirements.

Eligibility & Credit Requirements

• Borrower must be enrolled in an eligible school and pursuing a degree program
• If the application is conditionally pre-approved, the borrower must be a member or join a participating credit union during the online application process.”
• Borrower or cosigner must be a U.S. Citizen. Foreign students can apply with a U.S. Citizen as cosigner.
• Freshmen and sophomores must apply with a creditworthy cosigner who has at least 21 months of credit history.
• Creditworthy juniors and seniors enrolled in a 4-year program can apply without a cosigner.

Participating credit unions that are members of the CU Student Loans network are the lenders of this loan program. See www.MyEdAccess.org for participating credit unions. Fynanz administers the EdAccess Private Student Loan program on behalf of the CU Student Loans network. Brazos Higher Education Service Corporation, Inc. is compensated for the referral of EdAccess Private Loan customers.

Borrower benefit information is valid as of August 1, 2009.

LOAN INFORMATION PROVIDED ON THIS PAGE BY FYNANZ. FYNANZ RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES AND BORROWER BENEFITS (INCLUDING INTEREST RATE REDUCTIONS) AT ANY TIME WITHOUT NOTICE.