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Application & Solicitation Disclosures

• Granite Edvance Corporation Application & Solicitation Disclosure – Student Loan
  Granite Edvance Corporation Application & Solicitation Disclosure – Parent Loan
  For New Hampshire residents. Funding provided by Granite Edvance Corporation
• Bank of Lake Mills Application & Solicitation Disclosure – Student Loan
  For residents of all states other than New Hampshire who are attending a New Hampshire college. Funding provided by Bank of Lake Mills

¹ The Granite Edvance Student Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, immediate repayment, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes deferred repayment, 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 6.

² The Granite Edvance Student Loan, in comparison to the EdvestinU Private Student Loan, offers more accessible underwriting criteria.

³ To be eligible for cosigner release, account is to be current, after 24 months of consecutive and on-time payments (except for states that require borrowers to have made 12 months of consecutive and on-time payments), and the remaining borrower meets the Lender’s then required credit underwriting criteria.

⁴ The Granite Edvance Parent Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 6.

⁵ The Federal Direct Parent PLUS loan offers the same interest rate (currently 8.94%) to all borrowers and includes a 4.228% origination fee, while the Granite Edvance Parent Loan bases rates on the borrower’s or cosigner’s credit and includes no origination fee. Compare all potential loan benefits when choosing the right program for you.

⁶ Borrowers with private loans that are in deferment (including Granite Edvance Student Loan borrowers who elect deferred repayment), a grace period, or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic debit upon initial disbursement.