7C THE UNIVERSITY JATHER SUSAN MONDAY AUGUST 11,2007 Graduate Students 0% Origination Fee Student Loans. You shouldn't have to be a Finance major to figure out Student Loans. So we'll make it simple: U.S.Bank offers loans with no origination fees.Because we pay them for you. Plus, we've simplified the entire process to guarantee you a hassle-free loan experience. Best of all, it's the one time in college you'll be proud of getting a 0%. Stafford Loan Benefits: - 0% Origination Fee & 0% Federal Default Fee - 5% credit on original principal balance after 36 consecutive monthly on-time payments. - 0.25% interest rate reduction when you sign up for automatic payments. - Last Eight Months Free - U.S. Bank Stafford borrower with original loan principal of at least $20,000 may pay off their loans in 112 months when they take advantage of all our repayment benefits over a standard 10-year repayment schedule of 120 months (making full on-time payments and utilizing autopay discounts throughout the repayment period). Graduate PLUS Loan Benefits: - 0% Federal Default Fee - 0.25% immediate interest rate reduction when loans are disbursed. - 0.25% additional interest rate reduction when you sign up for automatic payments. - 5% credit on original principal balance after 36 consecutive monthly on-time payments. - Last Ten Months Free - U.S. Bank Grad PLUS borrowers with original loan principal of at least $20,000 may pay off their loans in 110 months when they take advantage of all our repayment benefits over a standard 10-year repayment schedule of 120 months (making full on-time payments and utilizing autopay discounts throughout the repayment period). U. S. Bank also offers No Fee, Gap and GOAL alternative loans. Please contact us at 785-865-0489 to talk to a live person, or visit your Student loan center at 900 Massachusetts, Lawrence KS 66044. Student Banking. One of our Five Star services. How many stars does your bank have? Five Star Service Guaranteed usbank.com/studentloans | Student Loan Center 800-242-1200 * APR may increase or decrease after consummation. Consummation occurs upon disbursement of loan proceeds. The interest rate is variable and can therefore increase and/or decrease over the life of the loan. Variable rates are subject to change. Loans are subject to credit approval. For a list of complete terms and conditions please visit our website at usbank.com/studentbanking. Member FDIC. ---