Issue link: http://digital.copcomm.com/i/1067015
X *The NEA Student Loan Program has been developed for NEA members and their families. Parents, spouse or domestic partner, and children are eligible family members. Borrow Responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. 1 Interest rates for Fixed and Deferred Repayment Options are higher than interest rates for the Interest Repayment Option. You're charged interest starting at disbursement, while in school and during your six-month separation or grace period. When you enter principal and interest repayment, Unpaid Interest will be added to your loan's Current Principal. Variable rates may increase over the life of the loan. Advertised APRs assume a $10,000 loan to DIUHVKPDQRUƓUVW\HDUJUDGXDWHDVDSSOLFDEOHZLWKQRRWKHU6DOOLH0DHORDQV 6DOOLH0DHUHVHUYHVWKHULJKWWRDSSURYHDORZHUORDQDPRXQWWKDQWKHVFKRROFHUWLƓHGDPRXQW 1($0HPEHUVFDQHDUQDSHUFHQWDJHSRLQWLQWHUHVWUDWHUHGXFWLRQE\PDNLQJWKHLUƓUVWRQWLPHSULQFLSDODQGLQWHUHVWSD\PHQWVRUSD\LQJDKHDGDQDPRXQWHTXDOWRWKHƓUVWRQWLPHSULQFLSDODQGLQWHUHVWSD\PHQWV $OWKRXJK\RXPD\VWLOOHDUQWKHEHQHƓWLI\RXSD\DKHDGWKHUHTXLUHGDPRXQWWKHEHQHƓWZLOOQRWEHDFWLYDWHGXQWLODIWHUWKHWKSULQFLSDODQGLQWHUHVWSD\PHQWZRXOGKDYHEHHQGXH$Q\SHULRGLQZKLFK\RXUORDQLVLQD IRUEHDUDQFHGHIHUPHQWRU*UDGXDWHG5HSD\PHQW3HULRGZLOOQRWFRXQWWRZDUGVVDWLVI\LQJWKHRQWLPHSULQFLSDODQGLQWHUHVWSD\PHQWUHTXLUHPHQW 1($ōV0HPEHU%HQHƓWV&RUSRUDWLRQUHFHLYHVFRPSHQVDWLRQIURP6DOOLH0DHIRUWKLVSURJUDP1($ōV0HPEHU%HQHƓWV&RUSRUDWLRQGRHVQRWUHFHLYHDQ\GXHVGROODUVIURP1($WRVXSSRUW0HPEHU%HQHƓ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k6DOOLH0DH%DQN$OOULJKWVUHVHUYHG0.7 SL570119 in partnership with You know the value of higher education; making it a reality is a smart decision. The NEA is JGTGVQJGNR[QWQTCOGODGTQH[QWTHCOKN[ƂPFCYC[VQCEJKGXG[QWTIQCN Flexible repayment options./CMGRC[OGPVUYJKNGKPUEJQQNQT[QWECPFGHGTRC[OGPVUWPVKN after graduation 1 . The choice is yours! Great rates — no origination fees. The NEA ® Smart Option Student Loan ® by Sallie Mae ® offers EQORGVKVKXGTCVGU 1 . $QTTQYWRVQQHVJGUEJQQNEGTVKƂGFWPFGTITCFWCVGQTITCFWCVG UEJQQNGZRGPUGUPQVEQXGTGFD[UEJQNCTUJKRUITCPVUQTHGFGTCNNQCPU 2 6JG0'#'ZENWUKXG Rate Reduction lets you reduce your interest rate by a quarter percentage point after making [QWTƂTUVQPVKOGRTKPEKRCNCPFKPVGTGUVRC[OGPVU 3 2NWUVJGTGCTGPQQTKIKPCVKQPHGGUQT prepayment penalties. All offered for NEA Members and their families. 6QNGCTPOQTGXKUKVYYYPGCODEQOUNQTECNN A Bright F UTURE For NEA Members and their families The NEA ® Smart Option Student Loan ® by Sallie Mae ®