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Students: Undergraduate Loan Programs

A+Funds Undergraduate Studies Loan

Same Stafford - More Money
The A+Funds Stafford Loan Program is just like every other Stafford Loan. With one big exception: A+Funds provides students with more of the money they borrow.

A+Funds pays all fee expenses annually on behalf of eligible students, giving students more of their money back. Money that's better used on school expenses than fees.

Instead of 4% of your loan amount being withheld for fees, your A+Funds Stafford Loan only charges half of that- we put an extra 4% directly into your loan disbursement.

When you borrow from us, you get more money.

Undergraduate Stafford Loan
Lender Code: 834040*

Origination Fee

0%

Guarantee Fee**

0%

Interest Rate
School, Grace, Deferment

4.70%
(91 Day T-Bill + 1.7%)

Interest Rate
Repayment

5.30%
(91 Day T-Bill + 2.3%)

Interest Rate Capped at 8.25%

Grace Period

6 months

Capitalization

Once at Repayment

Repayment Incentive

3.3% principal reduction after 33 on-time payments

Originator/Servicer

Sallie Mae
PO Box 59012
Panama City, FL 32412-9012
Customer Service: (888)272-5543

**Waived by most guarantors

*Undergraduate Stafford loans offered by Carnegie Insurance Company

Alternative Loan

The A+Funds Alternative Loan is the smart way to borrow alternative funds. We offer terms that are competitive with all other alternative loans available.

Eligibility

  • Must be enrolled at least half-time at an accredited school
  • Must be a US citizen, national or eligible non-citizen
  • Effective 07/01/2005

    Origination Fee

    0%

    Guarantee Fee

    0%

    In-School Interest Rate

    LIBOR + 2.90%

    Repayment Interest Rate
    (varies with repayment term)

    10 year: LIBOR + 3.25%
    15 year: LIBOR + 3.65%
    25 year: LIBOR + 4.25%

    Supplemental Fees

    ZERO

    Annual Limits

    cost less aid received

    Aggregate Limits

    Graduate & Undergraduate Students: $100,000
    Law Students: $150,000

    Capitalization

    once at repayment

    Grace Period

    9 months

    ** Download Application and Promisory Note

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