Managing your student loans will be easier if you use one lender for all your student loan needs.

It is your right and responsibility to choose the lender for your student loans.

Benefits of Sallie Mae lenders

Although the basic interest rate on federal loans (Stafford, Parent PLUS, Graduate PLUS, and consolidation loans) is the same from lender to lender, you’ll be happy to know that you may be eligible to receive interest rate reductions or repayment incentives with a Sallie Mae^® lender on loans for academic year 2008–09.

Service

Sallie Mae lenders offer superior service. For example, students and parents who borrow from Sallie Mae lenders will also receive:

• Responsive, customer-oriented service
• Toll-free customer service lines
• Online access to account information
• Account information available 24 hours a day, seven days a week
• A variety of repayment options designed to meet borrower needs

One lender

You can get all your student loans — federal and private — from one source when you borrow from Sallie Mae. The advantages of having one lender are:

• One bill, with all loan payments compiled
• One place to send payments
• One lender to keep updated
• One source for assistance

Sallie Mae lenders

Choose a Sallie Mae lender and take advantage of Sallie Mae's servicing and borrower benefits. These lenders are:

• Sallie Mae Education Trust^SM (lender code 802218)
• Academic Management Services^SM (lender code 833067)
• Nellie Mae^® (lender code 829076)
• Southwest Student Services Corporation^SM (lender code 830630)
• Student Loan Finance Association (lender code 833789)
• Student Loan Funding^SM Resources (lender code 831455)