Graduate Private Student Loans

Scholarships and federal loans, more often than not, aren't enough to cover the entire cost of graduate school. The GradLoans Graduate School Loan will help you bridge the gap between federal financial aid and the true cost of a graduate education; Annual maximum is $45,000. Created especially for graduate students like you with unmet financial need, our Graduate Student Loan program will help you achieve your professional and educational goals.

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You can use a grad school loan to cover any education related expenses, including, student computers, books and room and board. Additional Benefits include:

• Fast online approvals, high approval rating
• Low interest rates, high annual maximums
• No application fee or out-of-pocket expenses
• Full deferment until you leave school with a variety of repayment options
• 6 month grace period before repayment begins

How do I qualify?

You must be a U.S. citizen or permanent resident with a valid permanent-resident card or an international student applying with a U.S. citizen or permanent resident co-borrower;

• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible college or university;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

Undergraduate students may apply for Private Student Loans for College at www.AlternativeStudentLoan.com

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How much can I borrow with a graduate student loan?

• Annual minimum of $1,500
• Annual maximum of $45,000

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dental School Loans	$1,500 - $225,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Law School Loans	$1,500 - $130,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Medical School Loans	$1,500 - $225,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Osteopathic Medicine	$1,500 - $130,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
MBA Loans	$1,500 - $120,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Business School Loans	$1,500 - $120,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Nursing School Loans	$1,500 - $120,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000
Other Programs	$1,500 - $120,000	Cost of Attendance Minus other Aid; Annual maximum is $45,000

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What else sets the GradLoans Graduate Student Loan apart from the rest?

Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance. Other benefits include:

• Low minimum monthly payment of $50
• No prepayment penalties
• 24/7 online account access
• Fees as low as 0%

What is my interest rate going to be?

In school interest rates range: LIBOR + 4.95% - 7.75%, depending on the credit of you/ your co-signer and the repayment option selected.

Repayment rates range: LIBOR + 5.5% - 7.75%, depending on the credit of you/ your co-signer and the repayment option selected.

Remember, most students need a co-signer. And adding a qualified co-signer usually helps your chances of being approved and receiving the best interest rate.

Choose your reward!

.25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3-month LIBOR remained constant at 2.68% (as of July 1, 2008) and you had a 24-month combined in-school and 6-month grace period with a 240-month repayment period*, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & grace period	Repayment Period
Immediate Interest and Principal Repayment	0.00%	8.00%	N/A	240 payments of $83.65
Immediate Interest and Deferred Principal Repayment	0.00%	8.09%	30 payments of $66.67	240 payments of $84.42
Both Deferred Interest and Principal Repayment	0.00%	8.08%	N/A	240 payments of 102.91
*25 year repayment for dental and medical school loans.

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Graduate school loans funded by Doral Bank NY FSB, an Equal Opportunity Lender.