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Fixed-Rate Student Loan  | Immediate Refinance Disclosures

1. THE ANNUAL PERCENTAGE RATE (APR): Reflects the estimated total cost of the loan, including upfront fees ($0), accruing interest, and the effect of capitalized interest ($0). Interest begins accruing after each loan disbursement. The rate shown is for a 5-year term, with a cosigner, with RI Advantage, and includes the 0.25% interest rate reduction for using the auto-pay feature. If the monthly payment is calculated to be less than $50 per month for the entire term, the lowest payment is $50 per month with the term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (immediate repayment ranging from 3.99% – 8.04% APR with auto-pay) (and deferred repayment ranging from 5.99% – 8.99% APR with auto-pay) is based on the term of the loan if the loan is cosigned (which lowers your rate),  your credit score & financial history, your cosigner's credit score (if applicable), and other factors. The first payment will be due approximately 30 days after the loan is completely disbursed (immediate repayment) or following the 6-month grace period after you leave school (deferred repayment). The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms.

2. RI ADVANTAGE DISCOUNT: This applies to any Rhode Island resident students attending school in any state or non- Rhode Island resident students attending a school in Rhode Island.

3. THE COSIGNER RELEASE PROGRAM: This is not offered to residents of Colorado, Connecticut, Maine, Nevada, and Washington, D.C.