EFSI Stafford, Parent PLUS and GradPLUS Loans

Lending for Learning

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EFSI Stafford, Parent PLUS and GradPLUS Benefits

TERMS & CONDITIONS
Borrower Benefit¹ effective 2/15/08:

•

0.25% interest rate reduction with ACH
°	To retain the benefit, the borrower must continue to remain enrolled to make payments via ACH, may not have payments returned for insufficient funds.

EFSI Borrower Benefits Loss:

The 0.25% ACH interest rate reduction benefit will be forfeited after 2 or more NSF (Non Sufficient Funds) transactions or if ACH is cancelled.

All borrower benefits will terminate upon delinquency, default, or failure to meet qualification criteria.

1 - Borrower Benefit is applicable for loans with first disbursements on or after 2/15/2008. Interest rate reductions may not apply during periods of deferment or forbearance. We reserve the right to modify or discontinue benefits programs at any time without notice. Any termination or modification will not affect the terms of loans already made.

EFSI - Lending for Learning
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