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DIRECTORY
Private Build loans
Tuition plans Borrower phone Consolidation phone Web address
consolidation to suit
800.282.1550 888.250.6401 AccessGroup.Org
800.721.3969 charterone.com/edu
x 800.487.4404 866.704.2262 ChaseStudentLoans.com
800.708.6684 citizensbank.com/edu
877.728.3030 discoverstudentloans.com
800.337.1009 800.337.1009 edamerica.net
x 800.719.0708 800.719.0708 nhheaf.org
800.762.1001 800.762.1001 pnconcampus.com
x 888.2SALLIE 800.448.3533 salliemae.com
Listings.com
If y

ou could make one change to Stafford and PLUS loans today, what would it be?
Lower the interest rate on student and parent loans to bring them closer to market rates. They are presently
almost double market rates. There is a huge element of unfairness here. I believe that if you ask an in-
formed student to choose between a $200 Pell Grant increase and lower interest rates over the repayment
period, he or she would choose lower interest rates. If we want to help students, let’s cut the rates, ease
their fi nancial burden, and do it universally.
The SAFRA legislation has personal overtones for you due to your background. Please explain.
It is intensely personal for me. I was born, raised and educated in the Soviet Union where everything was
owned by the government. I lived it and I left it behind, because it doesn’t work. Any system without choice and
competition creates bureaucracy, mediocrity, stagnation and corruption. I came to the United States for the
freedoms this country offers, including free enterprise. And now I work in a U.S. industry fi ghting a government
takeover. How ironic, to say the least.

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