It is your responsibility to select a lender.

Although the basic interest rate is the same from lender to lender, some lenders offer cheaper loans. For example, lenders that work with us offer interest rate reductions to borrowers who pay electronically through automatic debit or who have paid their loans on time for a specific period of time.

Repayment may seem a long way off, but choosing cheaper loans now can mean big savings later.

Some lenders offer superior service. For example, students who borrow from our lenders will receive:

• Responsive, customer-oriented service.
• Toll-free customer service lines.
• Online access to account information using this Web site.
• Account information available 24 hours a day, seven days a week.

Additional funding is available, if you need it.