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Students: OPUS Graduate Loan Programs

A+Funds Graduate Studies Loan

ZERO-FEE STAFFORD LOANS FOR ALL GRADUATE LEVEL A+Funds BORROWERS!

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 offers a ZERO origination fee for ALL graduate level students!

We don't stop there! In addition we will lower the principal amount borrowed by 3.3% for paying the first 33 monthly payments on time.

Hey, it's easy! When your school's Financial Aid Officer tells you how much you can borrow, just tell them you want the A+Funds Graduate Stafford Loan Program.

Graduate 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%

Annual Loan Limit

Subsidized: $8,500
**Unsubsidized: $10,000

Aggregate Loan Limit

$138,500

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

**Additional Unsub available; see your financial aid officer

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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