Shelley Saunders
Vice President
American Student Assistance
Explain the magic of the debt management techniques
that you advocate.
We’ve learned that providing the right information at the right time
is key to a borrower’s having a successful repayment experience.
At ASA we target our messages in time and content. For example,
we make exit counseling available at the right time, in fact, over a
period of time, beginning before graduation and continuing until 45
days before the first payment is due. That custom-messaging has
reduced delinquency by 25 percent and helps reduce inability to
locate as a bonus.
Read her entire interview, and others on the topic of SAFRA,
at TodaysCampus.com/articles/load.aspx?art=1826
17 Stafford Loans
Avail- Low- High- Low-
continued on page 56
able
Avail-
est est est Highest
Stafford loans are for students, and no co-maker is required. They are feder-
for
able
pos- pos- pos- pos-
ally insured and regulated, and they have borrowing limits. Based on a FAFSA
Subsi-
Un-
under-
for
sible sible sible sible
application (required), your loan interest may be subsidized or unsubsidized.
dized
subsi-
up- up-front
Rates and terms are subject to change without notice. Certain qualifi cations or
dized
gradu-
grad-
inter- inter-
ate
uate
t front fees
behavior may be required to qualify for discounts, rebates, rewards and special
stu-
stu-
est es
rate fees (%)
offers.
dents
dents
rate
(%) (%) (%)
Access Group Subsidized Stafford Loan for Graduate Students Yes No No Yes 6.55 6.80 0.50 1.50
Subsidized Stafford Loan for Undergraduate
Access Group
Students
Yes No Yes No 5.35 5.60 0.50 1.50
Access Group Unsubsidized Stafford Loan for Graduate Students No Yes No Yes 6.55 6.80 0.50 1.50
Access Group Unsubsidized Stafford Loan for Undergraduates No Yes Yes No 6.55 6.80 0.50 1.50
Charter One Affordable Stafford Loan for Graduate Students Yes Yes No Yes 6.55 6.80 0.50 1.50
Subsidized Affordable Stafford Loan for
Charter One
Undergraduate Students
Yes No Yes No 5.35 5.60 0.50 1.50
Unsubsidized Affordable Stafford Loan for
Charter One
Undergraduate Students
No Yes Yes No 6.55 6.80 0.50 1.50
Chase Health Stafford Yes Yes Yes Yes 6.55 6.80 1.50 1.50
54 T
oday’s
C
ampus subscribe at no charge at www.todayscampus.com
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