OTHER STAFFORD LOAN LENDERS

ACCESS GROUP WACHOVIA

1-800-282-1550 1-877-689-0763

accessgroup.org wachovia.com/education

Sells to: No one Sells to: No one

Servicer: None Servicer: ACS

Fees charged: Fees charged:

Default fee 1% Default fee 1%

Origination fee 1% Origination fee 1%

Incentives: Incentives:

*.50% origination fee waived

*0.25% interest rate reduction for auto-debit

payments. Effective for life of loan as long

as payments are made as required.

* *0.25% interest rate reduction with auto-

debit payments

*Benefit rehabilitation, if late on any of

first 12 payments, benefit can be earned

back.