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GUARANTEED STUDENT LOANS

                 2009-2010 OX Funding Electronic Student Loan Lender List

This guide will provide you (the borrower) with information for Federal Subsidized and Federal Unsubsidized
Student Loans. Ox Funding works with private lender partners to deliver federal loans under the Federal Family Education Loan Program (FFELP). For 2009-2010 Ox Funding will not participate in the Direct Lending Program (DLP), which offers federal loans through the Department of Education. Your electronic Financial Aid Notification (eFAN) will let you know, for which of these loans you are eligible and how much has been offered to you. Before you decide to accept a federal Stafford Loan, please read this guide. If you need help selecting a lender, please refer to our list of factors to consider when choosing a lender. PLEASE NOTE: You are not required to use any of the lenders listed below. You may borrow from any lender that participates in the Federal Stafford and/or Grad Plus loan programs. To view a list of all lenders participating in the student loan program, please visit: http://... Our complete list of student loan lenders can be found below.

Federal Stafford or Grad Plus loan borrowers may choose any lender that participates in the Federal Family Education Loan program. The basic terms of the loans (maximum interest rate, maximum fees, and deferment options) are set by the federal government. However, many lenders offer special benefits to borrowers, and several are known for their superior customer service and software. The Monterey Institute Office of Financial Planning encourages you to compare the benefits and services offered by different lenders so that you can make an informed choice.

FACTORS TO CONSIDER WHEN CHOOSING A LENDER:
Borrower Benefits -- Some lenders subsidize the fees. Some will also offer back end benefits such as a reduction of the interest rate for on time repayment or for making auto-debit payments. Seek out lenders with zero fees and/or low origination/default fees. Also, does the lender offer any back-end benefits, such as an interest rate reduction for on time repayments or auto-debit payments? What benefits are offered? Find out if the lender has front end benefits, back end benefits, or both? What percentage of borrowers receives these benefits? Is it possible to lose these benefits, and if so, what circumstances can lead to the loss of benefits? Benefits may include:

· A low or no Origination Fee (a lender can charge up to 1%)
· A low or no Default Fee (a guarantor can charge up to 1%)
· A reduced interest rate for on time repayment
· A reduced interest rate for auto debit payments

Customer Service -- Consider such things as, how long do they take to answer the phone? Did you have to go through multiple menus before speaking to a representative? (Hint: Call their 1-800 numbers and see how long you are on hold. Ask basic questions. Do they know the answers without having to put you on hold to find out?) Some questions to consider asking:

· Do they sell their loans? The lender themselves may have excellent service, but if they sell your loans on the secondary market, will the company that bought your loans offer this same exemplary service?
· What are their hours of operation? Some lenders are only open during certain hours, and do these hours work for me? What type of services do they offer during those hours and how quickly can I reach a real person if I have more specific questions? In the event I call outside of normal operating hours what online resources are available to me?
· How do you like their website? Are there additional tools available to you like loan repayment calculators, or various debt management tools/tutorials? What is their website s capability and usability?

Borrower Education Tools -- Some lenders offer borrower education and debt management tools. Therefore, check the lenders website: do they offer educational tools that appeal to you and that are relevant to your needs? How often is the loan interest capitalized? If you plan on borrowing an Unsubsidized, Grad Plus, or Private Student Loan, interest will begin to accrue on that loan as soon as the loan is disbursed. As such, you will want to know how often the lender capitalizes interest. The more often the lender capitalizes the interest, the more money you will pay in the end. If you are planning to reside outside of the US upon graduation, does your lender have online payment capabilities or a number by which you can contact them if you are outside of the US?

Stafford Annual Loan Limits
o Freshmen $3,500 Dependent = $2,000
o Independent = $6,000
o Dependent = $5,500
o Independent = $9,500

o Sophomores $4,500 Dependent = $2,000
o Independent = $6,000
o Dependent = $6,500
o Independent = $10,500

o Juniors and Seniors $5,500 Dependent = $2,000
o Independent = $7,000
o Dependent = $7,500
o Independent = $12,500

o Undergrad Aggregate Loan Limits $23,000 Dependent = $31,000

o Graduate Students $8,500 $12,000 $20,500
o Grad Aggregate Loan

NOTE: Loan limits for graduating Seniors who are not enrolled for full academic year will be prorated, resulting in
less than the annual maximum eligibility.

Applying for a Stafford Loan
Accept the Loan Accept the loan offered to you on your electronic Financial Aid Notification (eFAN). If you would like to borrow less than the amount offered, indicate the amount you want to borrow in the space provided on the eFAN. If you do not need to borrow all of the loans offered to you, borrow maximum Stafford for which you are eligible before accepting an Unsubsidized Stafford Loan.

Select a Lender Review the Stafford Lender List (a link is included on your eFAN) and indicate your lender choice on the eFAN drop-down menu. The lenders on the eFAN drop-down menu are set up for electronic certification and disbursement process. You do not have to borrow from one of the electronic lenders on OX FUNDING lender list. If you prefer to borrow from a non-electronic lender, select Other Non Electronic Lenders  on the lender menu and type in the name of your lender when instructed. Refer to Selecting a Lender section on page 3 of this guide for additional information about selecting your lender.

Complete a Master Promissory Note (MPN) If you are a new borrower or if you decide to borrow through a different lender than in the past, you must complete a Master Promissory Note with your lender. Please refer to OX FUNDING Stafford Lender List for links to our lenders (The links are also provided on the eFAN Thank You  page. If you select a lender not on OX FUNDING Lender List, please contact them directly for instructions on how to complete an MPN. Once completed, the MPN is valid for 10 years so continuing lenders do not have to
complete one each year.

Complete a Debt Management Session (DMS) If you are a first time borrower; you may be required by some schools to complete a Debt Management Session before your federal loans will be disbursed.

Stafford Disbursements
The total loan amount you accept on your eFAN will be divided equally among terms, for which you have been awarded. If you apply with a electronic lenders, your loan will be disbursed via Electronic Funds Transfer (EFT) and applied to your BAR account at the beginning of each term. Any funds left after BAR charges are paid, will be refunded to you. If you choose to work with a lender that does not work with OX FUNDING electronically, your loan will be disbursed via a paper check that will need to be picked up from Student Loan Services each term. You must be enrolled at least half time (6 units undergraduates; 4 units graduates) in order for your Stafford loans to be disbursed. If you drop below half time enrollment or withdraw from school, you will be billed for all or part of the loan(s) disbursed to you for that term.

PLEASE NOTE: If your loans are not disbursed because of non-enrollment, insufficient units or holds on your account, Student Loan Office will return all loan funds within 10 business days of receiving them from the lender, in order to stay in compliance with federal regulations. If your loans are returned to the lender, the Financial Aid Office can request reissue of your disbursements per request from the borrower. The reissue process will take 2-3 weeks.

Selecting a Lender
In order to facilitate the application process for our borrowers and to allow for electronic disbursement of funds, OX FUNDING has set up electronic processes with various partners listed on our Lender List. You can access OX FUNDING Lender Lists at http://www.oxfunding.com/index.html In addition to viewing the benefits offered by each of the lenders, please refer to the list for the loan fee information, contact information for your lender and information on who will service your loan. It is very important that you know not only which lender will originate and disburse your loan but also who will be your point of contact while your loan is serviced after it is fully disbursed and during repayment. Listing of the lenders on the lender list is does not constitute the guarantee of benefits offered as the benefits are subject to change without notice, at lender s discretion. To verify benefits being offered, please contact your lender directly. You do not need to borrow from one of the lenders listed on OX FUNDING Lender List. If you prefer to borrow from a lender with which we do not work electronically, please contact them directly to obtain benefits information and application instructions.

Student Loan Lender List
LENDER LIST
Below is our high volume lender list in alphabetical order: For Stafford
Loans after July 1, 2009
Origination Fee Default Fee
Access Group .5% *1.00%
All Student Loan .5% *1.00%
Bank of America .5% *1.00%
Citibank .5% *1.00%
Discover No Fee No Fee
Wells Fargo .5% *1.00%
Nelnet .5% *1.00%
Chase .5% *1.00%
Sallie Mae .5% *1.00%

To Apply For A Loan, Our Complete List of Student Loan Lenders Can Be Found Once Your Purchase Is Made .