Lender Comparison Chart

Selection of a lender can weigh as a heavy responsibility on you, the borrower. The following information is intended to be a starting point in your selection process. You may choose any lender who participates in the Federal Family Education Loan Program (FFELP) regardless of whether they appear on the list below. If you have previously borrowed through the FFELP program, we suggest you continue to use the same lender.

Before selecting a lender, ask yourself "What is important to me when choosing a lender?" Federal regulation determines interest rates and other provisions, however lenders sometimes offer borrowers special incentives or discounts to make borrowing from them more appealing. Keep in mind - not all incentives are the same!

Lenders listed below have established working relationships with our office which reflect excellent customer service for you, the borrower. Whether you opt to use one of these lenders or a lender not included on this list, we advise you to take time to closely examine benefits offered by each.

Borrow only what you need and borrow wisely. If you need additional assistance, or have questions, please select contact.

Lender Information	Loan Servicer	Special Benefits/Incentives
Nellie Mae Lender Code: 829076 www.nelliemae.com 800-634-9308	Sallie Mae	STAFFORD: 0.25% point interest rate reduction for making payments using automatic debit. 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% point interest rate reduction for making payments using automatic debit. . GRAD: 0.25% point interest rate reduction for making payments using automatic debit.
Wells Fargo Lender Code: 807176 www.wellsfargo.com/ student 800-658-3567	Wells Fargo	STAFFORD: 0.50% Origination Fee 1.00% Default Fee PLUS: 0.00% default fee GRAD: 0.00% default fee
Citibank Lender Code: 826878 www.studentloan.com/ schools/fresno 800-967-2400 Spanish website: www.prestamos estudiantiles.com	Citibank	STAFFORD: 0.25% interest rate reduction for automatic withdrawal and receive electronic statements. Benefit Recovery available. 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% interest rate reduction for automatic withdrawal and receive electronic statements. Benefit Recovery available. Forbearance up to 4 years with half time enrollment. GRAD: 0.25% interest rate reduction for automatic withdrawal and receive electronic statements. Benefit Recovery available.
ASAP/UB&T Lender Code: 833953 http://www.asapubt.com/ (888)486-4722 Chela Education Financing Lender Code: 833953 www.chelastudentloans.org (888)486-4722	Nelnet	STAFFORD: 0.25% interest rate reduction for auto debit 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% interest rate reduction for auto debit GRAD: 0.25% interest rate reduction for auto debit
Chase Education Finance Lender Code: 803000 Click HERE (800)-487-4404	Chase	STAFFORD: 0.25% point interest rate reduction for making payments using automatic debit. 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% point interest rate reduction for making payments using automatic debit. . GRAD: 0.25% point interest rate reduction for making payments using automatic debit.
ALL Student Loan Lender Code: 833752 www.allstudentloan.org 888-271-9721	All Student Loan	STAFFORD: 0.25% point interest rate reduction for making payments using automatic debit. 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% point interest rate reduction for making payments using automatic debit. . GRAD: 0.25% point interest rate reduction for making payments using automatic debit.
Edamerica Lender Code: 831453 www.edamerica.net 888.337.1009	Edfinancial Services	STAFFORD: 0.25% interest rate reduction for ACH payments 0.50% Origination Fee 1.00% Default Fee PLUS: 0.25% interest rate reduction for ACH payments GRAD: 0.25% interest rate reduction for ACH payments
Wachovia Lender Code: 830005 www.wachovia.com/ education 800-338-2243	Wachovia in school ACS in repayment	STAFFORD: 0.50% Origination Fee 1.00% Default Fee PLUS: GRAD: