Buyer's guide. (Student Finance).

Rely on this easy-to-use supplier guide for information on student finance resources in higher education.

GUARANTORS

American Student Assistance
330 Stuart Street
Boston, MA 02116
Phone: [phone]
Fax: [phone]
www.amsa.com

Mission Statement:

As the oldest and one of the largest Federal
Family Education Loan Program (FFELP) guaranty
agencies in the United States, ASA assists
students and parents successfully complete
a program of education financing and
repayment. For over 45 years, we have
helped 1.4 million education loan borrowers
pursue their academic dreams and repay
their debt.

Products/Services:

In its role as one of the nation's most prominent
guarantors, ASA administers federal
Stafford student loans and Parent Loans for
Undergraduate Students (PLUS). ASA provides
premium guarantee, origination, disbursement
and default prevention services to
students and the financial aid professionals
that help them.

News:

ASA recently wan approval from the U.S. Department
of Education for its Wellness campaign.
Through education and proactive outreach,
ASA seeks to prevent student loan
default and keep borrowers fiscally "well."
We are currently conducting experiments to
find best practices in delivering the right
message to borrowers at the right time, resulting
in healthy loan repayment.

Connecticut Student Loan
Foundation (CSLF)
525 Brook Street
P0 Box 1009
Rocky Hill, CT 06067
Phone: [phone]
Toll-Free: [phone]
www.cslf.com

Mission Statement:

CSLF is a non-profit organization dedicated to
providing access to funding for higher education
through customized and personalized
high-quality service.

About Us:

For over 35 years, CSLF has provided education
funding to students and families. By serving
as guarantor, lender, secondary market,
and servicer, CSLF is able to provide true single
source processing for the life of the loan.

Products/Services:

* First Rate Stafford Loans: Stafford Loan borrowers
automatically receive a 0.5% interest
rate reduction during repayment on all
Federal Subsidized and Unsubsidized
Stafford Loans by simply choosing CSLF
(lender code 828614). Unsubsidized Loan
borrowers receive an additional 2% interest
rate reduction (minimum 2.99%) during the
in-school and grace periods by opting to
pay their interest during these times. CSLF
waives the guarantee fee on all Stafford
Loans.

* First Rate PLUS Loans: PLUS Loan borrowers
automatically receive a 0.5% interest
rate reduction by simply choosing CSLF
(lender code 828614) as their lender. Borrowers
may elect to receive an additional
0.5% interest rate reduction by having payments
automatically deducted from a
checking or savings account. CSLF waives
the guarantee fee on all PLUS Loans.

* EnRoute: CLSLF's internet-based loan processing
and management system provides
real-time access to all loan guarantee, disbursal
and servicing information. EnRoute is
available to borrowers, schools, lenders,
and other industry partners.

* Central Disbursement Services: CSLF, as
guarantor, can disburse all Federal Stafford
and Federal PLUS Loans on behalf of other
lenders. Schools are able to receive all disbursements
from a single agency but still
maintain their preferred lenders.

For more information visit www.cslf.com.

The Education Resources
Institute (TERI)
Brian Cox, Vice President for Sales
330 Stuart Street, Suite 500
Boston, MA 02116
Phone: (800) 255-TERI
E-mail: [e-mail]
www.TERI.org

About Us:

The nations leading non-profit provider of education
financing and information services,
The Education Resources Institute (TERI) offers
a variety of education loan programs for
students from elementary through post-graduate
studies. Since 1985, financial aid administrators
have relied on us to support their
students and families through the challenges
of education financing.

Products/Services:

TERI offers an array of products and services
to students and families. Loan programs are
available across the United States and
Canada, and may be used for undergraduate,
graduate, part-time studies, those seeking a
second undergraduate degree and elementary
and secondary education. From online
application and status check to downloadable
promissory notes and fast funding, TERI exceeds
student expectations. For additional information
visit TERI on the web at TERILOANS.com
or call (800) 255-TERI.

TG
P.O. Box 201725
Austin, TX 78720-1725
Phone: [phone]
www.tgslc.org

Mission Statement:

TG is a public, nonprofit corporation that administers
the Federal Family Education Loan
Program (FFELP). TG's vision is to be the premier
source of information, financing and assistance
to help all families and students realize
their educational and career dreams

Products/Services:

As a FFELP administrator, TG works with financial
aid industry partners throughout the country
to simplify financial aid processing for financial
aid administrators and the students
and families they serve. TG provides innovative
solutions and tools, insightful information
resources, and effective default prevention
strategies to meet the needs of institutions and
students nationwide. In their role as a student
loan guarantor, T6 checks student loan applications
for eligibility, monitors student loan status,
pays claims to lenders if necessary, and
conducts compliance reviews of schools participating
in the program. In addition, TG
shares information about college planning, including
academic and financial preparation,
with students and schools to help make access
to post-secondary education available to
everyone.

News:

Since its creation in 1979, TG has guaranteed
over $20 billion in loans to more than 2 million
student borrowers and their parents.

LOAN MARKETERS

Chela Financial
388 Market Street, 12th Floor
San Francisco, CA 94111
Phone: [phone]
Fax: [phone]
Toll Free: [phone]
www.loans4students.com

Mission Statement:

To finance lifelong education while strengthening
the bonds between the learners,
schools, lenders, and employees.

Products/Services:

* The AcademicEdge Loan: A variable rate,
credit based, consumer education loan program
affordable, flexible, fast.

* The CalEdge Loan: Co-sponsored by the California
Educational Facilities Authority
(CEFA), a department of the California State
Treasurer's Office. CalEdge offers a fixed-rate
for students at participating California
schools, helps meet costs not covered by
traditional financial aid.

* Federal Stafford Loans: Offering some of the
best interest rate discounts in the industry.

* Federal Plus Loans: Offering some of the
best interest rate discounts in the industry
and online preapprovals.

* OnePay Consolidation Loan: This program
can make repayment of your student loans
simpler and more affordable by combining
all of your eligible federal student loans into
one new loan with one low payment.

News:

As a leading not-for-profit education finance
company, Chela Financial is committed to
helping students and their families find the financial
resources to unleash their potential
through loans, scholarships and information.
The company is actively involved in community-based
programs and has dedicated more
than $2 million to scholarship and outreach
programs. For additional resources log on to
Chela Financial's Web site at
www.loans4students.com

Collegiate Funding
Services, LLC
100 Riverside Parkway
Fredericksburg, Virginia 22406
Toll free: [phone], ext. 5292
www.cfsloans.com

Mission Statement:

Collegiate Funding Services (CFS) is a leading
nationwide provider of innovative solutions for
education financing and debt management.

Products/Services:

* The Real World Loan Federal Consolidation
Program is one of the nation's leading student
load refinance products offering graduates
the ability to lock in the lowest rates
in the 38-year history of the student loan
program. Graduates may also qualify for additional
money-saving interest rate discounts
of up to 1.25% *. CFS offers our graduates
the benefit of combining multiple
loans into a single monthly payment and bill,
repayment flexibility, and no application
fees or charges. Graduates can apply easily
over the telephone or online, and there are
no fees to pay or prepayment penalties.

* The Real World Private Loan Consolidation
Program is one of the few consolidation
products available to the growing number of
graduates with privately-insured student
loans. Graduates will benefit from refinancing
their multiple privately-insured student
loans into one refinanced loan with lower
monthly payments and one simple billing
statement. Graduates can apply easily over
the telephone or online, and there are no
out-of-pocket expenses.

* The enlighten PLUS Loan is a leading parent
loan program offering tremendous money-saving
borrower benefits including 0%
guarantee fee, a credit of 3% of the then-current
principal balance after 36 monthly
payments are made on-time, and 0.25% interest
rate reduction when using ACH to
make monthly payments *. Students and
parents can easily apply over the telephone.
Schools interested in offering our money-saving
enlighten PLUS program may contact
CFS at the number displayed above.

News:

CFS enjoys a superior reputation with our
customers, business partners, and members
of the higher education community. To date,
financial aid professionals at more than 300
colleges and universities have established
relationships with CFS for promotion of the
Real World Consolidation Loan, our money-saving
Enlighten PLUS Loan and our popular
college exit online entrance and exit counseling
service. * Limited time offers. Please call
for details on current offerings.

The Education Resources
Institute TERI
Brian Cox, Vice President for Sales
330 Stuart Street, Suite 500
Boston, MA 02116
Phone: (800) 255-TERI
E-mail: [e-mail]
www.TERI.org

About Us

The nations leading non-profit provider of education
financing and information services,
The Education Resources Institute (TERI) offers
a variety of education loan programs for
students from elementary through post-graduate
studies. Since 1985, financial aid administrators
have relied on us to support their
students and families through the challenges
of education financing.

Products/Services:

TERI offers an array of products and services
to students and families. Loan programs are
available across the United States and
Canada, and may be used far undergraduate,
graduate, part-time studies, those seeking a
second undergraduate degree and elementary
and secondary education, From online
application and status check to downloadable
promissory notes and fast funding, TERI
exceeds student expectations. For additional
information visit TERI on the web at
www.TERILOANS.com or call (800) 255-TERI.

KeyCorp
127 Public Square
Cleveland, Ohio 44114
Telephone: [phone]
www.key.com/educate

Mission Statement:

For more than 45 years, Key Education Resources[R]
has provided families with federal
and private financing programs, payment
plans, planning tools and expert advice, Additionally,
we offer tools specifically designed
to make your job as a School Administrator or
Financial Aid Administrator easier. KeyCorp is
one of the nation's largest bank-based financial
services companies.

Products/Services:

* Education loans with great rates: Federal,
Undergraduate, Graduate, and Career/
Continuing Education Loan Programs.

* Materials Order Form--Order collateral
material online.

* Entrance/Exit Counseling Presentations--Download
presentations designed for
graduate FAAs now.

* Applications--Download an education loan
application, or have students apply online,

* Monthly Payment Plan--Affordable payment
plans to meet the individual needs of your
families.

* Short-term Medical Insurance--An
affordable option for your recent graduates.

* Key On-Line--Easy access to Monthly
Payment Plan information

News:

Key Education Resources--Helping families
make the right choices. Planning for school
funding can seem like an education in itself.
Whether you or your child is starting college,
graduate school, or beginning an IT career,
we have the right program. Key has helped
students and families finance education for
more than 45 years.

Student Loan Funding
Resources, LLC.
One West Fourth Street, Suite 300
Cincinnati, OH 45201
Fax: [phone]
Toll free: [phone]
www.studentloanfunding.com

Mission Statement:

Student Loan funding is a student loan lender
with the sole mission of expanding access to
higher education. Since 1981, we have assisted
1 million students, extending more than
$6 billion in financial aid.

Products/Services:

* Federal Stafford Loans

* Federal PLUS Loans

* Private Education Loans

* Consolidation Loans

* Customized web tools to help schools and organizations
streamline the delivery of financial
aid information and increase awareness
of the affordability of a higher education,

Washington Mutual
1201 3rd Avenue
Seattle, WA 98101
Phone: [phone]
Fax: [phone]
www.wamu.com

Mission Statement:

To be one of the nation's premiere financial
services companies by:

* providing exceptional service to customers

* making communities better places to live
and work

* recognizing outstanding efforts of
employees

* delivering a superior long-term return to
shareholders

Products/Services:

* Washington Mutual is a full-service financial
institution, In addition to federal and private
education loan support, we offer banking
and cash management services to all
types of businesses, including colleges and
universities.

* Our financial management workbooks provide
the information and encouragement
necessary for developing successful money
management habits. Topics appropriate for
college students include "Checking and
Savings," "Budgeting Your Credit," "Credit
Card Basics," and "Lending Basics."

* Our consumer banking customers enjoy free
checking, free teller visits, and free account
access at all Washington Mutual ATMs.

News:

As part of its corporate values, Washington
Mutual has long supported the communities
in which it conducts business. We recently
announced, beginning in 2002, a 10-year, $375
billion industry leading Community Commitment
targeting home loans, affordable apartments
and manufactured home sites, consumer
and small business loans, and
community investments and development.

LOAN ORIGINATORS

Access Group, Inc,
P.O. Box 7430
Wilmington, DE 19803
Phone: [phone]
Fax: [phone]
www.caccessgroup.org

Mission Statement:

Access Group, Inc. is a nonprofit organization
that has provided access to graduate
and professional education for 20 years.
it offers federally guaranteed (FFELP) loans
and private loans for students financing their
law, business, medical, dental, health, and
other graduate and professional degrees,
and offers post-graduate loans. Access
Group also has private loan options to serve
other populations, such as a sponsor loan
through which an individual can borrow on
behalf of a student at any enrollment level, in
addition, Access Group offers Federal Consolidation
Loans and flexible repayment options,
and provides financial planning information,
debt management materials, and
need analysis services to students and financial
aid administrators. For more information,
visit accessgroup.org.

The Education Resources
Institute TERI
Brian Cox, Vice President for Sales
330 Stuart Street, Suite 500
Boston, MA 92116
Phone: (800) 255-TERI
E-mail: [e-mail]
www.TERI.org

The nations leading non-profit provider of education
financing and information services,
The Education Resources Institute (TERI) offers
a variety of education loan programs for
students from elementary through post-graduate
studies. Since 1985, financial aid administrators
have relied on us to support their
students and families through the challenges
of education financing.

TERI offers an array of products and services
to students and families. Loan programs are
available across the United States and
Canada, and may be used for undergraduate,
graduate, part-time studies, those seeking a
second undergraduate degree and elementary
and secondary education. From online
application and status check to downloadable
promissory notes and fast funding, TERI
exceeds student expectations. For additional
information visit TERI on the web at
www.TERILGANS.com or call (800) 255-TERI.

NOWLoans
800 W. Jefferson Street
Kirksville, MO 63501
Fax: [phone]
Toll Free: [phone]
www.nowloans.org

Mission Statement:

NOWLoans is the only loan program supported
by the Student Osteopathic Medical
Association (SOMA) and the American Association
of Colleges of Osteopathic Medicine
(AACOM). In return, we support their efforts
to promote osteopathic medicine and you!

Products/Services:

NOWLoans provides loans to students in accredited
programs nationwide. As long as
students are in osteopathic medicine, or master's
degree level physical therapy, occupational
therapy, and physician assistant programs,
they are eligible for our Stafford loans
for graduate and professional students.
The Signature Student Loan: an alternative,
credit-based loan, designed to bridge the gap
between your Stafford loans and the cost of
your education.

News:

No FEES on Stafford loans is what's exciting
at NOWLoans! No small print, no disclaimers,
just no fees. And if you have good credit, you'll
have no fees on your Signature Studentr
loan. That's more money in your pocket.
Speaking of money, now you can even get
cash back at repayment! See our website for
details, www.nowloans.org

PNC Bank
Education Loan Center
2600 Liberty Avenue
Pittsburgh, PA 15222
Phone: [phone]
www.eduloans.pncbank.com

Mission Statement:

Since 1965, PNC Bank has made the education
loan process as easy as possible by providing
a comprehensive selection of loans so
that a family can find all the higher education
financing they need at one convenient place.

Products/Services:

The PNC Bank Education Loan Center offers
a wide array of both federal and private loans
to help finance your higher education. We
have an entire staff dedicated to answering
questions about the loan process. We also
offer savings to students with our National
Discount Loan, Keystone BEST[sm] and aes
BEST[sm] loan programs. Loan choices include:
Federal Stafford Loan (Subsidized and
Unsubsidized). Federal Parent Loan for Undergraduate
Students (PLUS Loan), Federal
Consolidation Loan, and the PNC Bank Resource
Loan.

PNC Bank's Manageable PLUS Program allows
a parent to delay payments for up to
four academic years. Keystone and aes
BEST[sm] programs feature no up front fees
and repayment incentives. For more information
visit cur web site or call 800-762-1001.

News:

PNC Bank is a proud sponsor of the Big 33
Academic Scholarship for deserving high
school seniors in Ohio or Pennsylvania.

SECONDARY
MARKETS

Chela Financial
388 Market Street, 12th Floor
San Francisco, CA 94111
Phone: [phone]
Fax: [phone]
Toll Free: [phone]
www.loans4students.com

Mission Statement:

To finance lifelong education while strengthening
the bonds between the learners,
schools, lenders, and employees.

Products/Services:

* The AcademicEdge Loan: A variable rate,
credit based, consumer education loan program--affordable,
flexible, fast.

* The CalEdge Loan: Co-sponsored by the California
Educational Facilities Authority
(CEFA), a department of the California State
Treasurer's Office. CalEdge offers a fixed-rate
for students at participating California
schools, helps meet costs not covered by
traditional financial aid.

* Federal Stafford Loans: Offering some of the
best interest rate discounts in the industry.

* Federal Plus Loans: Offering some of the
best interest rate discounts in the industry
and online preapprovals.

* OnePay Consolidation Loan: This program
can make repayment of your student loans
simpler and more affordable by combining
all of your eligible federal student loans into
one new loan with one low payment.

News:

As a leading not-for-profit education finance
company, Chela Financial is committed to
helping students and their families find the financial
resources to unleash their potential
through loans, scholarships and information.
The company is actively involved in community-based
programs and has dedicated more
than $2 million to scholarship and outreach
programs. For additional resources log on to
Chela Financial's Web site at
www.loans4students.com

SERVICES

Affiliated Computer
Services, Inc.
One World Trade Center, Suite 2200
Long Beach, CA 90831-2200
www.afsa.com

About Us:

Affiliated Computer Services, Inc. (ACS, Inc.)
recently completed the acquisition of AFSA
Data Corporation, the nation's largest and
must experienced education services company.
ACS is best known in the student aid
community as the contractor for the Federal
Direct Loan Servicing System, and through
the addition of AFSA, provides outsourcing
solutions to college and university financial
aid offices. Combined with AFSA, ACS services
a student loan portfolio of more than 8.1
million borrowers with outstanding loans totaling
over $86 billion. We service FFELP,
Perkins, and Direct Loans. Additionally, we
provide a suite of cutting-edge administrative
products and services for campuses nationwide.

Campus eCommerce Solutions

ACS offers students and parents services
that deliver a secure web-based interface
with your institution to transmit and retrieve
essential information. All of these solutions
are customized to your campus web environment,
including logos, graphics and institution-specific
messages. Our solutions are
completely modular and platform independent
and requires minimal resources from
your Information Technology Staff.
QuikPay[TM] our on-line billing and payment
product is made available to colleges and
universities through a partnership between
ACS and infiNET Solutions. ACS and infiNET
have collaborated to make QuikPAY available
as an Enterprise software deployment or as a
hosted subscription service.

Receivables Management

Today, over 600 colleges and universities outsource
their campus-based loan and receivables
management to ACS, eCBSL, our name
for this outsourcing solution, offers a wide
range of services designed to help campus
Business and Financial Aid Office personnel
manage institutional loan portfolios, default
rates end receivables.

Tax Credit Reporting Service

Our Tax Credit Reporting Service (TCRS[sm])
provides student and parent taxpayers detailed
financial information, organized to assist
them in claiming the tax credits they deserve
and gives campus administrators the
kinds of high-tech tools they need to meet the
requirements of the 1997 Taxpayer Relief Act.

Financial Aid Outsourcing

Our team of professionals offers a multitude
of financial aid services to colleges and universities.
Our services allow you to focus on
your students instead of the process. For institutions
interested in reducing financial aid
office workloads and reducing costs, ACS
provides a comprehensive package of outsourcing
solutions.

Loan Origination and Servicing

The AppWorks[TM] student loan origination platform
redefines the standards for originating
FFELP loans for your students. AppWorks
was built from the ground up with critical design
input every step of the way from the AppWorks
Advisory Council, whose members
are from many of the largest colleges and
universities in the country.

For more information visit www.afsa.com, or
call Kerry Shronts at [phone].

Nelnet (National Education
Loan Network)
Phone: [phone]

Description:

Nelnet (National Education Loan Network) is
a fully integrated educational finance organization
offering expertise in student loan generation
and servicing, secondary market services,
and guarantor servicing support. We're
dedicated to providing products and services
that facilitate education finance for students,
schools, and lenders. Our unique organizational
structure allows us to assist in all aspects
of the financial aid process from loan
origination through repayment.

Products/Services:

* Nconcert is a web-based financial aid delivery
and management system designed to
reduce paperwork, streamline the approval
process, and improve communication between
a financial aid office and its students.

* Nteract is a web-based student loan origination
system designed to reduce paperwork,
streamline the application and disbursement
process, and improve
coordination and communication between
financial aid offices and lenders.

* Ntrust is a Centralized Disbursing Agent
(CDA) service that is provided by Nelnet, free
of charge, to eligible educational institutions.

News:

Unique to the industry, Nelnet offers both
PIN-less and PIN processes to capture an
electronic signature. "The integration of electronic
signatures demonstrates Nelnet's
commitment to providing the latest in technology
resources, while expediting the loan
process for borrowers and schools alike,"
says Don Bouc, president of Nelnet
Corporation.

SOFTWARE AND
SYSTEMS

SunGard Asset Management
Systems
104 Inverness Center Place, Suite 325
Birmingham, AL 35242
Phone: [phone]
[e-mail]
www.asset.sungard.com

* Maximize assets. Minimize costs. Eliminate
spreadsheets.

* SunBard's charitable trust and endowment
accounting solution integrates with your
fund raising and fund accounting systems
for complete automation. Sharing information
between the planned giving and administration
departments and the asset manager
solves the problem of fragmented
systems and multiple spreadsheets. The
system allows your non-profit institution to
raise the money, manage the trusts and endowments
created, and capture the appropriate
data for the fund accounting system.
This saves you time and money, plus it safeguards
against errors.

TUITION PAYMENT
PLANS

FACTS Tuition Management
100 N. 56th Street, Suite 306
Lincoln, NE 68504
Phone [phone]
www.factsmgt.com
Co-Sourced Tuition Management Solutions
for Higher Education

Products/Services:

* Online payment processing featuring
e-Cashier[TM]

* Customized plans to meet both student and
institution needs

* Designed to fit your academic calendar(s)

* Multiple payment choices

-- Bank Accounts

-- Credit Card

-- FlexEXTRA billing system

* Fastest turnaround of funds and account
information

* Real-time online information system

-- Available 24/7

-- Integrate with your student information
system

-- Detail and summary reports

-- Reconciliation process to check data
between systems

Benefits for Students

* Help them afford more classes

* Boost enrollment retention

* No credit check

* Online signup

Nearly 3,000 educational institutions and
more than 350,000 students and families are
co-sourcing with FACTS Management Company
to provide solutions to tuition payment
collection challenges. We design our payment
solutions to provide the greatest flexibility
for students and families while maintaining
financial and information control for your institution.
When you co-source with FACTS,
we join with you as part of a consultative
team to serve your staff and students better.

KeyCorp
127 Public Square
Cleveland, Ohio 44114
Telephone: [phone]
www.key.com/educate

Mission Statement:

For more than 45 years, Key Education Resources[R]
has provided families with federal
and private financing programs, payment
plans, planning tools and expert advice. Additionally,
we offer tools specifically designed
to make your job as a School Administrator or
Financial Aid Administrator easier. KeyCorp is
one of the nation's largest bank-based financial
services companies.

Products/Services:

* Education loans with great rates: Federal,
Undergraduate, Graduate, and Career/Continuing
Education Loan Programs.

* Materials Order Form--Order collateral material
online.

* Entrance/Exit Counseling Presentations--Download
presentations designed for graduate
FAAs now.

* Applications--Download an education loan
application, or have students apply online.

* Monthly Payment Plan--Affordable payment
plans to meet the individual needs of your
families.

* Short-term Medical Insurance--An affordable
option for your recent graduates.

* Key On-Line--Easy access to Monthly Payment
Plan information

News:

Key Education Resources--Helping families
make the right choices. Planning for school
funding can seem like an education in itself.
Whether you or your child is starting college,
graduate school, or beginning an IT career,
we have the right program. Key has helped
students and families finance education for
more than 45 years.