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Graduate Loan Rates, Fees and Terms

The interest rate on NextStudent Graduate Loans varies monthly. They are based on the London Interbank Offered Rate, or LIBOR, plus a margin. The LIBOR Index equals the one-month LIBOR published in the “Money Rates” section of the Wall Street Journal on the first business day of the preceding calendar month.

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The LIBOR Index May 1, 2008 = 2.70%.

Terms

Principal and interest are deferred up to four years while student is continuously enrolled in school at least half time. Payment begins six months after graduation or ceasing to be enrolled at least half time.

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The lender for the NextStudent Alternate Private Student Loan is RBS Citizens, N.A., Member FDIC and Equal Opportunity Lender. RBS Citizens, N.A. may sell your student loan to a third party. RBS Citizens, N.A. will only sell your student loan if the third party agrees to honor all of RBS Citizens, N.A.'s promises to you, including all promised benefits that you will receive or might become eligible for during the loan repayment period.

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Last updated Saturday, May 17, 2008