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Interest-free (0%) for all first-time USEFC Stafford Unsubsidized Loan borrowers for the first year after disbursement.
Students are responsible for paying all the interest on Unsubsidized Stafford Loans during the in-school, grace and deferment periods.
- 0% Guarantee Fee for most students
- 3% Origination Fee Rebate
- .50% Interest Rate Reduction at Repayment
- .25% Interest Rate Reduction with Automatic Electronic Payment.
- Lender: USEFC- BK One Trustee
- Lender Code: 833770
Download and Print Master Promissory Note
In Order to be eligible for the USEFC Federal Stafford Dividend Program, you must graduate from a four-year degree-granting college or university.
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The Federal Stafford Loan is an affordable, low-interest loan designed for undergraduate and graduate students. Choose Wachovia for these great advantages:
- Save up to 9.46% of the original loan amount with no origination fee and Triple Payback® rebates*
- Fixed interest rate of 6.8%
- No payments while enrolled
- No payments for six months after leaving school
- Apply online for faster funds
Lender: Wachovia
Lender Code: 830005
(*) Wachovia Education Finance may modify or discontinue these benefit programs at any time without notice. Changes will not affect loans that qualify for the benefit prior to the time of the change.
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IEFC - Citizens Bank Federal Stafford Student Loans Program
- 1% default (guarantee) fee.
- “0%” Zero origination fee (3% origination fee waived).
- 6.8% fixed interest rate effective July 1, 2006 to June 30, 2007:.
- 2% Interest Rate Reduction after 48 On-time Payments
- .25% Interest Rate Reduction for Electronic Repayment
- Effective July 1, 2006 - June 30, 2007. the variable rates for existing loans (taken prior to July 1, 2006 are 6.54% (in-school/grace period) and 7.14% (repayment period).
- Lender: IEFC - Citizens Bank
- Lender Code: 826861
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