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UB: annual finance buyer's guide: an easy-to-use guide on finance information for higher education.

Campus Commerce

Collegiate Funding Services Inc.

10304 Spotsylvania Av.,

Suite 100

Fredericksburg, VA 22408

866-922-9965

www.cfscampusloans.com

ABOUT US

Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing and campus-based scholarship and affinity marketing tools-to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $20 billion in education loans and currently manages $12 billion in student loans for more than 460,000 borrowers.

PRODUCTS/SERVICES

We offer STAFFORD and PLUS loan programs that reward borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED and NON-CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students, and K-12 students. For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals, it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details.

Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student loan refinance products, offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer 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 pay no prepayment penalties.

Our PRIVATE CONSOLIDATION loan 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.

NEWS

Visit www.cfscampusloans.com or call 866-922-9965 to contact your campus regional director for more details.

* Limited time offer.

eValuCheck

Thomas Olsen, Sales

7150 East Camelback Road

Suite 444,

Scottsdale, AZ 85251

480-477-8090,

480-477-8091 Fax

FACTS Management Company--A Nelnet Company

100 N. 56th St., Suite 306

Lincoln, NE 68504

800-624-7092

www.factsmgt.com

FACTS Management Company--a Nelnet company--is the leader in providing tuition payment plans for higher education. Our experienced staff, superior information management capabilities, online and telephone counseling services, knowledge of the special needs of higher education, and the capability we have as the largest tuition management provider, contribute to making FACTS the best choice for your institution. Affordability of education is our primary business. It drives every meeting, every sales presentation, every decision. Simply put, FACTS is your best decision for a partner to administer a tuition payment plan for your students. FACTS and Nelnet--Making Educational Dreams Possible.

Higher One, Inc.

25 Science Park

New Haven, CT 06511

203-775-7776

www.HigherOne.com

Focused exclusively on higher education, Higher One provides refund management services to higher education institutions and banking services to members of their community through a card-based solution. Higher One's integrated solution helps universities reduce administrative costs, streamline business processes, create new revenue streams, increase student customer service and strengthen the campus community. Higher One's refund service, 0neDisburse, provides students with more choices and better services for receiving financial refunds. Higher One also offers a suite of banking services called OneFinance, which includes the OneAccount, a no minimum balance, no monthly fee checking account with the 0neCard, a MasterCard[R] Debit card for ATM withdrawals and purchases, and exclusive features such as "Send Money", Easy Refund, and Campus AutoLoad. The OneFinance and OneDisburse solutions can be integrated with the institution's ID card or provided through a separate "refund only" card.

To date, Higher One has disbursed over three-quarters of a billion dollars in refunds for its university clients. More than 300,000 students, faculty, and staff at distinguished public and private universities use Higher One's services through their ID or refund card.

infiNET

1425 East Busch Parkway

Buffalo Grove, IL 60089

888-413-3150

www.infinet-inc.com

TouchNet Information Systems, Inc.

15520 College Boulevard

Lenexa, KS 66219

913-599-6699

www.touchnet.com

TouchNet develops innovative Commerce Management solutions that help colleges and universities meet the challenges of running campus business better. We provide institutions of Higher Education with a secure and centralized payment infrastructure with which to streamline and manage campus payment applications.

Since 1989, more than 575 schools have selected TouchNet solutions to accept online payments, automate business office processes, modernize cashiering operations, and support secure, campus e-commerce. TouchNet helps these schools to address critical campus initiatives: to boost operational efficiency; to maintain compliance with information security rules and regulations; and to offer competitive, online services to increasingly web-savvy campus constituents.

Consulting Services

KeyBank

127 Public Square

Cleveland, OH 44114

800-540-1855

www.Key.com/educate

MISSION STATEMENT

For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier.

Key Education Resource's products and services are provided by Keybank NA. KeyBank is a KeyCorp company. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $91 billion.

PRODUCTS/SERVICES

Education loans with competitive interest rates-Federal, Undergraduate, Graduate, Professional, and Career loan programs.

* Loan consolidation programs--help make repayment easier to manage and free up cash each month.

* Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families.

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

* Easy application and renewal--Families can easily and quickly apply and renew online.

* Repayment incentives-several programs/options that save families money.

* Materials Order Form--Order collateral material online.

* Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs.

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

NEWS

Key Education Resources--Helping families make the right choices--Planning for education financing/ funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years.

Noel Levitz

2101 ACT Circle

Iowa City, IA 52245

800-876-1117

www.noellevitz.com

Noel-Levitz is a nationally recognized consulting firm specializing in higher education student recruitment, financial aid, student retention, market research, publications, and Web development. Since 1973, Noel-Levitz has partnered with more than 1,700 colleges and universities throughout North America. Noel-Levitz has offices in Denver, Iowa City, and Guelph, Ontario, and is a division of SLM Corporation, commonly known as Sallie Mae. For more information, visit www.noellevitz.com.

Scannell & Kurz

40B Grove Street

Pittsford, NY 14534

585-381-1120, 585-381-2383 Fax

info@scannellkurz.com

www.scannellkurz.com

Scannell & Kurz, Inc. specializes in developing customized financial aid/net tuition revenue and enrollment management strategies for their higher education clients. Jim and Kathy work in partnership with clients, sharing their analytical techniques in order to develop greater client self-sufficiency in addressing future enrollment challenges.

The solutions recommended are unique to each client, based on a data-driven understanding of the institution's particular market position and challenges. Special attention is paid to ensuring that the solutions are practical, detailed, and implementable.

Outcomes include improved net tuition revenue, more effective management of institutional resources, and achievement of specific class profile targets.

Financial/Enrollment Marketing

ACS

One World Trade Center, Suite 2200,

Long Beach, CA 90831-2200

877-294-9250

www.acs-inc.com/education

ACS, a FORTUNE 500 company with more than 50,000 people, provides information technology outsourcing, enrollment optimization, student financial aid outsourcing, imaging, student call centers, loan servicing, and other services to more than 1,000 colleges and universities.

ACS'S core competency is managing business processes and information technology. In higher education, this includes managing financial aid, enrollment management, student information systems, student call centers, imaging, and more. By working with ACS, colleges can spend more time and capital on their core focus: student service, faculty, access, and research.

Call Phil Palmeri at 877-294-9250 to learn more about how your institution can improve performance by outsourcing with ACS.

EdFinancial

Contact: Billy Houston, senior vice president & chief strategic officer bhouston@edfinancial.com

800.337.6884/www.edfinancial.com

Edfinancial Services is the nation's 8th largest student loan servicer, providing exceptional customer-driven servicing for over a dozen of the nation's top 100 student loan providers. Featuring life-of-loan servicing and competitive private loans, Edfinancial Services also offers student outreach services through eCampusTours.com, an innovative college planning website featuring virtual tours of over 1,000 schools nationwide. Recently designated a Department of Education Exceptional Performer, Edfinancial Services is headquartered in Knoxville, TN, with satellite facilities in Little Rock, AR and Jacksonville, FL.

KeyBank

127 Public Square

Cleveland, OH 44114

800-540-1855

www.Key.com/educate

MISSION STATEMENT

For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier.

Key Education Resource's products and services are provided by Keybank NA. KeyBank is a KeyCorp company. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $91 billion.

PRODUCTS/SERVICES

Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional, and Career loan programs.

* Loan consolidation programs--help make repayment easier to manage and free up cash each month.

* Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families.

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

* Easy application and renewal--Families can easily and quickly apply and renew online.

* Repayment incentives--several programs/options that save families money.

* Materials Order Form--Order collateral material online.

* Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs.

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

NEWS

Key Education Resources--Helping families make the right choices--Planning for education financing/ funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years.

Guarantors

American Student Assistance[R] (ASA)

100 Cambridge St., Suite 1600

Boston, MA 02114

800-999-9080, 617-521-6154 Fax

ASA assists students and parents to successfully complete a program of education financing and repayment.

Incorporated in 1956, ASA was the nation's first student loan guarantee agency and a model for the federal student loan guarantee program. ASA's unique Wellness programs give borrowers the support they need to avoid default. 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.

ASA administers federal Stafford student loans and Parent Loans for Undergraduate Students (PLUS). ASA provides premium default prevention, guarantee, origination, and disbursement services to students and the financial aid professionals who help them.

The Connecticut Student Loan Foundation (CSLF)

525 Brook St., P.O. Box 1009

Rocky Hill, CT 06067

860-257-4001, ext. 442

www.cslf.com

The Connecticut Student Loan Foundation (CSLF)is a non-profit agency that administers, guarantees, finances, and services student loans within the Federal Family Education Loan Program (FFELP) and other alternative student loan programs. By serving as guarantor, lender, secondary market, and servicer, CSLF provides all loan services, from application through repayment.

CSLF offers immediate money savings benefits thought its First Rate Loan programs. Borrowers receive special interest rate reductions that are immediate and guaranteed.

* PLUS Loans 1% below the federal rate

* Stafford Loans 1% below the federal rate

* Consolidation Loans 1.25% below the federal rate

TG

P.O. Box 83100

Round Rock, TX 78683-3100

800-252-9743, www.tgslc.org

As an administrator of the Federal Family Education Loan Program (FFELP), TG works with financial aid partners nationwide to simplify financial aid processing for aid administrators and the students and families they serve. TG provides innovative solutions, insightful resources, and effective default prevention strategies. Within the FFELP, TG 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 with families and students to help ensure educational access and success.

Loan Marketers

Charter One

725 Canton St.,

Norwood, MA 02062

800-721-3969

www.charterone.com/edu

At Charter One we work hard to develop lasting relationships with all of our customers, from individuals to institutions. We partner with our customers and are committed to helping them grow and succeed. We offer a vast array of products and services to fit all of your institution's needs including federal and alternative loan products for your students, free student checking accounts, and institutional banking for your school's banking needs. Our commitment to you, your students, and your institution is why we are not your typical education lender.

Chase

Chase/Bank One Education Finance

1E. Ohio St., 14th floor

Indianapolis, IN 46277

1-800-487-4404.

317-236-5793

Chase, the U.S. consumer and commercial banking brand of JPMorgan Chase & Co. (NYSE: JPM), has approximately 94 million credit cards issued and serves consumers and small businesses through more than 2,500 bank branches, 6,600 ATMs and 225 mortgage offices as well as through relationships with over 15,000 auto dealerships, 2,500 schools and universities, and 2,100 insurance agencies. It also serves more than 25,000 commercial banking clients, including corporations, municipalities, financial institutions and not-for-profit entities with annual revenues generally ranging from $10 million to $2 billion. Information about Chase is available at www.chase.com.

Citizens Bank

725 Canton St.

Norwood, MA 02062

800-708-6684

www.citizensbank.com/edu

At Citizens Bank we work hard to develop lasting relationships with all of our customers, from individuals to institutions. We partner with our customers and are committed to helping them grow and succeed. We offer a vast array of products and services to fit all of your institution's needs including federal and alternative loan products for your students, free student checking accounts and institutional banking for your school's banking needs. Our commitment to you, your students, and your institution is why we are not your typical education lender.

Collegiate Funding Services Inc.

10304 Spotsylvania Av., Suite 100

Fredericksburg, VA 22468

866-922-9965

www.cfscampusloans.com

ABOUT US

Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing and campus-based scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $20 billion in education loans and currently manages $12 billion in student loans for more than 460,000 borrowers.

PRODUCTS/SERVICES

We offer STAFFORD and PLUS loan programs that reward borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED and NON-CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a students higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students, and K-12 students.

For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals, it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details.

Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student loan refinance products, offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer 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, pay no prepayment penalties.

Our PRIVATE CONSOLIDATION loan 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.

NEWS

Visit www.cfscampusloans.com or call 866-922-9965 to contact your campus regional director for more details. * Limited time offer.

The Connecticut Student Loan Foundation (CSLF)

525 Brook St., P.O. Box 1009

Rocky Hill, CT 06067

860-257-4001, ext. 442

www.cslf.com

The Connecticut Student Loan Foundation (CSLF)is a non-profit agency that administers, guarantees, finances, and services student loans within the Federal Family Education Loan Program (FFELP) and other alternative student loan programs. By serving as guarantor, lender, secondary market, and servicer, CSLF provides all loan services, from application through repayment.

CSLF offers immediate money savings benefits thought its First Rate Loan programs. Borrowers receive special interest rate reductions that are immediate and guaranteed.

* PLUS Loans 1% below the federal rate

* Stafford Loans 1% below the federal rate

* Consolidation Loans 1.25% below the federal rate

Edamerica

Contact: Judith Kerzner, senior vice

president & national director of sales and marketing

jkerzner@edamerica.net

800.337.1009

www.edamerica.net

Edamerica is the nation's 9th largest student loan provider, offering a full range of Stafford, PLUS, consolidation and private loans with competitive borrower benefits and repayment incentives. Edamerica's PLUS loan features a 1% discount upfront as well as an immediate .25% auto-debit reduction. Edamerica is an Edfinancial Services lender.

EdFinancial

Contact: Billy Houston, senior vice president & chief strategic officer bhouston@edfinancial.com

800.337.6884/www.edfinancial.com

Edfinancial Services is the nation's 8th largest student loan servicer, providing exceptional customer-driven servicing for over a dozen of the nation's top 100 student loan providers. Featuring life-of-loan servicing and competitive private loans, Edfinancial Services also offers student outreach services through eCampusTours.com, an innovative college planning website featuring virtual tours of over 1,000 schools nationwide. Recently designated a Department of Education Exceptional Performer, Edfinancial Services is headquartered in Knoxville, TN, with satellite facilitie in Little Rock, AR and Jacksonville, FL.

KeyBank

127 Public Square

Cleveland, OH 44114

800-540-1855

www.Key.com/educate

MISSION STATEMENT

For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier.

Key Education Resource's products and services are provided by Keybank NA. KeyBank is a KeyCorp company. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $91 billion.

PRODUCTS/SERVICES

Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career loan programs.

* Loan consolidation programs--help make repayment easier to manage and free up cash each month.

* Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families.

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

* Easy application and renewal--Families can easily and quickly apply and renew online.

* Repayment incentives--several programs/options that save families money.

* Materials Order Form--Order collateral material online.

* Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs.

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

NEWS

Key Education Resources--Helping families make the right choices Planning for education financing/ funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years.

Student Loan Finance Corporation

1660 Hwy 100 South, Suite 500

St. Louis Park, MN 55416

952-697-3622

www.slfc.com

Student Loan Finance Corporation (SLFC), with over 26 years of industry experience, provides products and services that help to drive student enrollment for our college and university clients. Our unique approach to the market is based on establishing relationships that drive mutual Success:

* Secondary market services

* Value-add student lending solutions

* Alternative Loans

* Consolidation Loans

* Borrower Benefits

* One-to-one loan servicing

* University relationship managers

At SLFC, we believe that nothing empowers people to improve their lives more than education. It is out task to help your students procure any loan, any where, any time.

Loan Originators

Academic Finance Corporation (AFC)

One West Boylston St., Suite 201

Worcester, MA 01605

877-AFC-4322 Toll Free

508-854-9972 Fax

www.academicfinancing.com

Academic Finance Corporation (ARC) is a leading not-for-profit student lending organization. Our passion for higher education distinguishes us as an advocate for both student and parent borrowers, as well as the financial aid community.

We provide a full suite of education loan products, borrower benefit programs and interest rate reduction plans. Our programs are designed to make the student loan experience simple, customer-friendly, and easy to manage.

No matter what your education financing needs are, we're here to help. Which is why we say, it's as easy as Arc.

Access Group, Inc.

5500 Brandywine Parkway

P. O. Box 7430

Wilmington, DE 19803 -0430

800-282-1550

accessgroup.org

Access Group, a nonprofit graduate loan specialist, is dedicated to providing students with access to affordable financing. We offer Stafford loans with no origination fees, private loans with no fees, and repayment incentives with all loans, including Federal Consolidation Loans. We serve schools with online loan processing options, ready-to-use student counseling materials, personalized service, and the educational opportunity close up of our annual Graduate and Professional Financial Aid Conference. Learn more at accessgroup.org.

Collegiate Funding Services Inc.

10304 Spotsylvania Av., Suite 100

Fredericksburg, VA 22408

866-922-9965

www.cfscampusloans.com

ABOUT US

Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing and campus-based scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $20 billion in education loans and currently manages $12 billion in student loans for more than 400,000 borrowers.

PRODUCTS/SERVICES

We offer STAFFORD and PLUS loan programs that reward borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school.

CERTIFIED and NON-CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students, and K-12 students. For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals, it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details.

Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student loan refinance products, offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25%*. We offer 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 pay no prepayment penalties.

Our PRIVATE CONSOLIDATION loan 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.

NEWS

Visit www.cfscampusloans.com or call 866-922-9965 to contact your campus regional director for more details. * Limited time offer.

Comerica

Student Lending--MC 6230

P.O. Box 75000

Detroit, MI 48275

(800) 345-6232

www.comerica.com/studentloans

Edamerica

Contact: Judith Kerzner, sr. v.p. &

national director of sales and marketing

jkerzner@edamerica.net

800.337.1009

www.edamerica.net

Edamerica is the nation's 9th largest student loan provider, offering a full range of Stafford, PLUS, consolidation and private loans with competitive borrower benefits and repayment incentives. Edamerica's PLUS loan features a 1% discount upfront as well as an immediate .25% auto-debit reduction. Edamerica is an Edfinancial Services lender.

EFSI

Western Region

(CA, NV, AZ, OR, HI, AK, and WA)

P. O. Box 3058

Mission Viejo, CA 92690

800-523-7446 Toll Free

Central Region (All Other States)

P.O. Box 14445

Austin, TX 78761

800-753-1437 Toll Free

www.efsi.net

EFSI is committed to providing education financing solutions for students and their families. At EFSI, we will help you understand the many financing options available to make education financing affordable, including:

* Federal Loans (Stafford and PLUS)

* Alternative/Private Loans

* Consolidation Loans

In addition to our full suite of education loan products, we also provide borrower benefit programs and interest rate reduction plans, all designed to make the student loan experience simple, customer-friendly, and easy to manage.

NOWLoan$

800 W. Jefferson

Kirksville, MO 63501

888-389-9622, 660-626-2005 Fax

www.nowloans.org

NOWLoan$ is a proven lender with a great loan product paired with outstanding personal customer service. Our core focus is that of education. We seek to help our students navigate successfully through the opportunities and challenges they face as they look to finance their education. NOWLoan$ continuously reinvests in the students and their organizations.

NOWLoan$ provides Stafford loans with no origination fees to students in accredited programs nationwide. Eligible students receive 3.3% cash back on repayment of Stafford loans. See our website for details. We also offer the Signature Student,[R] Loan, a private alternative loan.

Sallie Mae

12061 Bluemont Way

Reston, VA 20190

703-810-3000

www.salliemae.com

SLM Corporation, commonly known as Sallie Mae, is the nation's leading provider of education funding, managing more than $116 billion in student loans for more than 8 million borrowers. The company offers federally guaranteed student loans and private and consolidation loans through its family of brands, including Academic Management Services, Nellie Mae, Sallie Mae Education Trust, Southwest Student Services Corporation, and Student Loan Funding Resources. It also works in partnership with leading financial institutions throughout the country. Sallie Mae's comprehensive product offerings and skilled education funding professionals enable it to deliver the highest quality loan origination and servicing mechanisms for school customers and student borrowers.

Collegiate Funding Services Inc.

10304 Spotsylvania Av., Suite 100

Fredericksburg, VA 22408

888-922-9965

www.cfscampusleans.com

ABOUT US

Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing and campus-based scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $20 billion in education loans and currently manages $12 billion in student loans for more than 460,000 borrowers.

PRODUCTS/SERVICES

We offer STAFFORD and PLUS loan programs that reward borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school.

CERTIFIED and NON CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students, and K-12 students.

For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals, it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details.

Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student loan refinance products offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25%*. We offer 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, no prepayment penalties.

Our PRIVATE CONSOLIDATION loan 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.

NEWS

Visit www.cfscampusloans.com or call 866 922-9965 to contact your campus regional director for more details. * Limited time offer.

CFS-SunTech Servicing

6510 Old Canton Rd.,

Ridgeland, MS 39157

601-899-4300

www.SunTech.com

EdFinancial

Contact: Billy Houston, senior vice

president & chief strategic officer

bhouston@edfinancial.com

000.337.6084/www.edfinancial.com

Edfinancial Services is the nation's 8th largest student loan servicer, providing exceptional customer-driven servicing for over a dozen of the nation's top 100 student loan providers. Featuring life-of-loan servicing and competitive private loans, Edfinancial Services also offers student outreach services through eCampusTours.com, an innovative college planning website featuring virtual tours of over 1,000 schools nationwide. Recently designated a Department of Education Exceptional Performer, Edfinancial Services is headquartered in Knoxville, TN, with satellite facilities in Little Rock, AR and Jacksonville, FL.

Edsouth

Contact: Ron Gambill, president

rgambill@edsouth.org

615.771.8505

www.edsouth.org

Edsouth is the nation's 14th largest holder of education loans and the South's fastest growing secondary market for lenders including Chase Bank, U.S. Bank, Bank of America and Edamerica.

MOHELA

633 Spirit Dr.,

Chesterfield, MO 63005-1243

877-883-4636

www.mohela.com/info

Student Loan Finance Corporation

1660 Hwy 100 South, Suite 500

St. Louis Park, MN 55416

952-697-3622

www.slfc.com

Student Loan Finance Corporation (SLFC), with over 26 years of industry experience, provides products and services that help to drive student enrollment for our college and university clients. Our unique approach to the market is based on establishing relationships that drive mutual success:

* Secondary market services

* Value-add student lending solutions

* Alternative Loans

* Consolidation Loans

* Borrower Benefits

* One-to-one loan servicing

* University relationship managers

At SLFC, we believe that nothing empowers people to improve their lives more than education. It is out task to help your students procure any loan, any where, any time.

Software and Systems

Deco Development Corporation

820 N. Niles Avenue, Suite B

South Bend, IN 40617-1954

574-246-9232

Great Lakes Educational Loan Services, Inc.

2401 International Lane

Madison, WI 53704

866-464-7855

www.mygreatlakes.com

Solver, Inc.

10780 Santa Monica Blvd., Suite 370

Los Angeles, CA 90025, USA

310-691-5303

www.solverusa.com

Contact: Tracy Rich, National Acct.

Manager--tma@solverusa.com

BUDGETING, REPORTING, DASHBOARDS, AD-HOC REPORTING, DATA WAREHOUSING Does your institution have a cumbersome, slow budgeting, forecasting & reporting process? Our solutions based on Microsoft technology will streamline & automate your budgeting, planning, forecasting and reporting processes; adding powerful reporting and analysis to management giving decision makers much more time to analyze data. This stand alone financial datamart will integrate with your ERP system (SCT, PeopleSoft/Oracle, SAP, Datatel, Jenzabar, etc ...), Payroll (for employee budgeting) and other data sources to improve your budgeting and reporting processes. Contact us today to see how your budgeting and financial reporting processes can be easier than ever!

Windstar Technologies, Inc.

1400 Providence Hwy

Building 3, Suite 3250

Norwood, MA 02062-0800

800-259-6398

Tuition Management Systems

FACTS Management Company--A Nelnet Company

100 N. 56th St., Suite 306

Lincoln, NE 68504

800-624-7092

www.factsmgt.com

FACTS Management Company--a Nelnet company--is the leader in providing tuition payment plans for higher education. Our experienced staff, superior information management capabilities, online and telephone counseling services, knowledge of the special needs of higher education, and the capability we have as the largest tuition management provider, contribute to making FACTS the best choice for your institution. Affordability of education is our primary business. It drives every meeting, every sales presentation, every decision. Simply put, FACTS is your best decision for a partner to administer a tuition payment plan for your students. FACTS and Nelnet--Making Educational Dreams Possible.

infiNET

1425 East Busch Pkwy

Buffalo Grove, IL 60089

888-413-3150

www.infinet-inc.com

Tuition Payment Plans

FACTS Management Company--A Nelnet Company

100 N. 56th St., Suite 306

Lincoln, NE 68504

800-624-7092

www.factsmgt.com

FACTS Management Company--a Nelnet company--is the leader in providing tuition payment plans for higher education. Our experienced staff, superior information management capabilities, online and telephone counseling services, knowledge of the special needs of higher education, and the capability we have as the largest tuition management provider, contribute to making FACTS the best choice for your institution. Affordability of education is our primary business. It drives every meeting, every sales presentation, every decision. Simply put, FACTS is your best decision for a partner to administer a tuition payment plan for your students. FACTS and Nelnet--Making Educational Dreams Possible.

infiNET

1425 East Busch Parkway

Buffalo Grove, IL 60089

888-413-3150

www.infinet-inc.com

KeyBank

127 Public Square

Cleveland, OH 44114

800-540-1855

www.Key.com/educate

MISSION STATEMENT

For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service.

Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. Key Education Resource's products and services are provided by Keybank NA. KeyBank is a KeyCorp company. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $91 billion.

PRODUCTS/SERVICES

Education loans with competitive interest rates-Federal, Undergraduate, Graduate, Professional, and Career loan programs.

* Loan consolidation programs--help make repayment easier to manage and free up cash each month.

* Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families.

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

* Easy application and renewal--Families can easily and quickly apply and renew online.

* Repayment incentives--several programs/options that save families money.

* Materials Order Form--Order collateral material online.

* Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs.

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

NEWS

Key Education Resources--Helping families make the right choices--Planning for education financing/ funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years.

Sallie Mae Business Office Suite

12061 Bluemont Way

Reston, VA 20190

703-810-3000

www.salliemae.com

Sallie Mae, the leading provider of education funding, offers colleges and universities flexible and cost-effective tuition payment solutions. Our Business Office Suite product allows financial aid administrators to present students with detailed bills online and implement electronic and phone-based services that simplify resolution of student accounts. Business Office Suite, which brings together the best of Net.Pay products and services and the AMS Tuition Payment Plan under one umbrella, gives campus administrators and business officers the ability to post multiple bills, and enables students and parents to make a payment via ACH or credit card.

TouchNet Information Systems, Inc.

15520 College Blvd.

Lenexa, KS 66219

913- 599-6699

www.touchnet.com

TouchNet develops innovative Commerce Management solutions that help colleges and universities meet the challenges of running campus business better. We provide institutions of Higher Education with a secure and centralized payment infrastructure with which to streamline and manage campus payment applications.

Since 1989, more than 575 schools have selected TouchNet solutions to accept online payments, automate business office processes, modernize cashiering operations, and support secure, campus e-commerce. TouchNet helps these schools to address critical campus initiatives: to boost operational efficiency; to maintain compliance with information security rules and regulations; and to offer competitive, online services to increasingly web-savvy campus constituents.
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Date:Nov 1, 2005
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