Northwest Resource has partnered with CU Student HELP to offer the Smart Option Student Loan® made by Sallie Mae®. With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan offers multiple repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

Learn more and apply online.

Loan Features and Benefits:

• Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate.
• Get a quick credit result. Applying online is fast and easy. It only takes about 15 minutes to apply and get a credit result.
• Pay now or later - defer your payments until after school or choose an in-school repayment option that fits your needs.⁵
• Borrow up to 100% of your school-certified education costs (minimum $1,000).
• Earn rewards for paying on time. Choose the interest repayment option or fixed repayment option and get a 2% Smart Reward® in your Upromise® account when you make scheduled monthly payments on-time while in school.¹
• Enroll in automatic debit and reduce your interest rate by a 0.25 percentage point.²
• You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments.³
• No prepayment penalties.
• 24/7 online account management.
• NEW! Tuition Insurance Benefit - covers up to $5,000 of tuition lost due to a covered medical withdrawal.⁴

With three repayment options and competitive interest rates, you’ve got the choice to graduate with less loan debt or enjoy more flexibility while in school.

Get maximum flexibility.
DEFERRED REPAYMENT OPTION
Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility.⁵

Pay now. Save a lot later.
FIXED REPAYMENT OPTION
Pay just $25 a month while in school and for six months after school.⁶ The in-school payments, plus our shorter repayment term, can help you save over 10% on your total loan cost compared to our Deferred Repayment Option.⁷

Pay early. Save more.
INTEREST REPAYMENT OPTION
Pay interest while in school and for six months after school. The in-school payments, plus our shorter repayment term, can help you save over 20% on your total loan cost compared to our Deferred Repayment Option.⁷

Learn more and apply online.

Footnotes and disclosures:

(1) Primary borrower can earn reward into his or her Upromise account of 2% of the scheduled payment for each on time payment made during the in-school and separation period only while enrolled as a Upromise member. Primary borrower must be of age of majority (typically 18 years old). If borrower has two consecutive scheduled payments
past due on a loan, he or she will no longer be eligible for the reward on that loan. The reward is not earned on payment amounts in excess of the scheduled payment. Benefit is subject to the terms and conditions of the Upromise service (as may be amended from time to time), including without limitation, restrictions on conversion, transfer and redemption of rewards, reward denomination, including whether and under what circumstances the rewards have independent cash value, and terms relating to fees and/or the forfeiture of rewards.

(2) Recurring automatic monthly payments must be successfully deducted from designated bank account for rate reduction to apply. Benefit suspended during periods of forbearance and certain deferments.

(3) To qualify for cosigner release, borrower must meet age of majority requirements, be a U.S. citizen or permanent resident and meet the underwriting requirements when the release request is processed.

(4) Benefit is available with Smart Option Student Loans that first disbursed between 7/1/11 and 10/31/11. Borrowers attending degree-granting institutions are automatically enrolled in the Tuition Insurance Benefit for 4 months beginning the day of the first loan disbursement and may extend the benefit another 8 months (for a full year of coverage) simply by activating within the 4 month's initial coverage period. The Tuition Insurance Benefit covers up to $2,500 per semester ($5,000 total per policy) of payments of tuition, room and board, books, and fees that are lost if you withdraw from school for a covered medical reason. Additional coverage is available for purchase. If the loan under which the benefit is provided is canceled, the coverage provided by the Tuition Insurance Benefit will terminate. The Tuition Insurance Benefit is a group insurance policy with College Parents of America offered through Next Generation Insurance Group, LLC, and is provided to you at no charge. You cannot be enrolled in more than one Tuition Insurance Benefit at a time. In order to process and fulfill the Tuition Insurance Benefit, your customer information will be shared with Next Generation Insurance Group, LLC, the underwriting insurance company and their service providers, and College Parents of America.

(5) The deferred repayment option is only available for degree-granting institutions. Unpaid interest will capitalize when the loan enters principal and interest repayment.

(6) The following repayment example is for informational purposes only and is an example of available loan terms of the Smart Option Student Loan with the Fixed Repayment Option: $10,000 loan with two disbursements, no origination fee and a 7.21% APR made to a freshman borrower at a degree-granting institution. APR may increase after consum-mation. Repayment consists of 51 fixed $25/month payments during the in school and separation period, followed by 119 payments of $140.28 per month and one payment of $114.17. Unpaid interest will capitalize when the loan enters principal and interest repayment.

(7) Savings based on typical loan to a freshman borrower attending a degree-granting institution.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK THE SALLIE MAE WEBSITE (SallieMae.com) TO OBTAIN THE MOST UP-TODATE PRODUCT INFORMATION.

Information advertised valid as of May 16, 2011. Sallie Mae Smart Option Student Loans are made by Sallie Mae Bank®.

Sallie Mae, Sallie Mae Bank, Sallie Mae Smart Option Student Loan and Smart Reward are registered service marks of Sallie Mae, Inc. Upromise is a registered service mark of Upromise, Inc. SLM Corporation and its subsidiaries, including Sallie Mae, Inc. and Upromise, Inc., are not sponsored by or agencies of the United States of America. ©2011 Sallie Mae, Inc. All rights reserved.

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