Eligibility

• You must be a U.S. citizen or permanent resident, or a foreign borrower applying with a creditworthy U.S. citizen or permanent resident.
• You must have no student loans that are delinquent or in default.
• You must meet current credit criteria.

Features

• The DENTALoans Graduate Private Loan has interest rates and fees that reward good credit.
• If you do not have an established credit history, applying with a creditworthy cosigner may help you qualify for the loan. Even if you have an established credit history, you may be eligible for a lower interest rate if you apply with a creditworthy cosigner.
• Creditworthy borrowers may request a cosigner release from the loan obligation after making the first 24 consecutive payments of principal and interest on time.²
• No payments are required while you are in school.³
• 24/7 online account management.
• You get life-of-loan servicing from Sallie Mae.
• Combined billing when you have multiple Sallie Mae-serviced loans.
• There is no prepayment penalty.

Loan terms

Loan limit

$1,000 minimum loan amount.

Borrow as much as you need to pay for your education, up to the cost of attendance as certified by your school and confirmed by Sallie Mae, less other financial aid received.*

Interest rate

Manage your credit well and you may qualify for a lower interest rate.

Fees

Repayment

• Flexible repayment options are available.
• Repayment begins three years after graduation or nine months after leaving school or dropping to less-than-half-time status.
• Borrowers have the opportunity to save money by entering repayment during the 36-month grace period. Learn more by calling (800) 854-SLMA (854-7562).

Another way to help pay down your loan

With Upromise Loan Link^SM student and parent borrowers who join Upromise^® can link their Sallie Mae loan account to their Upromise account and use their Upromise rewards to help pay down their eligible Sallie Mae-serviced student loans. Visit www.salliemae.com/upromise to learn more and enroll today.

Legal

• Repayment begins three years after you graduate or nine months after you leave school, or fall below half-time status.
• Interest rate reductions are available only during periods of active repayment.
• Sallie Mae DENTALoans is a service mark of Sallie Mae, Inc.

*Sallie Mae reserves the right to approve a lower loan amount than what the school has certified.

1 Interest rate reduction of 0.50 percentage point is available during active repayment for as long as the borrower’s monthly payment is successfully deducted from the borrower’s bank account. Loans eligible for the automatic debit benefit must be first disbursed June 1, 2008 through May 31, 2009.

2 The account must remain current until the request for release is processed. Borrower credit qualification applies. Borrower must be a U.S. citizen or permanent resident at the time the cosigner release request is processed.

3 Deferring payment while in school and in the grace period will increase the overall loan costs. Unpaid interest that accrues while you are in school and in the grace period will be capitalized (added to your loan amount) at repayment.

Sallie Mae DENTALoans Private Loans are funded by Sallie Mae Bank^® or a Sallie Mae lender partner.

Access to Upromise is not limited to Sallie Mae loan customers. Terms and conditions apply.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PROGRAMS AND BORROWER BENEFITS AT ANY TIME WITHOUT NOTICE. APPLICANTS SHOULD CHECK THE SALLIE MAE WEBSITE CLOSE TO THEIR LOAN DISBURSEMENT DATE TO OBTAIN THE MOST UP-TO-DATE INFORMATION REGARDING LOAN PROGRAMS, INCLUDING BORROWER BENEFITS.

Subject to the above, borrower benefits are effective for Sallie Mae DENTALoans Private Loans first disbursed June 1, 2008 through May 31, 2009 and serviced by Sallie Mae.