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.¹
• Borrow up to 100% of your school-certified education costs (minimum $1,000).
• Earn rewards for paying on time. Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly payments that are made on time while in school (Not available with the Deferred Repayment Option).²
• Receive a 0.25 percentage point interest rate reduction while enrolled to make scheduled payments by automatic debit.³
• You can apply for a cosigner release after you graduate and make 12 consecutive on-time principal and interest payments.⁴
• 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. Available at no cost with loans that first disburse July 1 through October 31, 2012.⁵

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.

Pay more. Save more.
INTEREST REPAYMENT OPTION
Pay interest while in school and for six months after school. You can save over 20% on the total loan cost compared to our Deferred Repayment Option by choosing this option.^1,7

Pay a little now. Save a lot later.
FIXED REPAYMENT OPTION
You can save over 10% on the total loan cost compared to our Deferred Repayment Option, when you make a low fixed monthly payment while in school and for six months after school.^1,6,7

Get maximum flexibility.
DEFERRED REPAYMENT OPTION
No minimum payments are required while in school, but you can pay as much or as little as you want while in school for maximum flexibility.^1,6

Learn more and apply online.

Footnotes and disclosures:

(1) Unpaid interest will capitalize.

(2) Primary borrower can earn reward into his or her active Upromise account of 2% of the scheduled loan payment amount for each on time payment during the in school and separation periods. Loan payments must remain current to be eligible for the reward. Benefit and Upromise membership subject to the terms and conditions of the Upromise service, as may be amended from time to time. Upromise Accounts are not FDIC insured, carry no bank
guarantee and may lose value.

(3) 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.

(4) To qualify, borrower must be a U.S. citizen or permanent resident and meet the underwriting requirements when the release request is processed.

(5) The Tuition Insurance Benefit is tuition refund insurance that covers up to $2500 per semester ($5000 total per policy) and is available with Loans that first disburse between 7/1/12 and 10/31/12. Borrowers are automatically enrolled at the first loan disbursement. Benefit must be activated within four months of first disbursement to receive twelve months of coverage. To process the benefit your information will be shared with Sallie Mae Insurance
Services, their underwriters, and their providers. If the loan is cancelled, coverage terminates. Individuals may be enrolled in only one Tuition Insurance Benefit at a time. Benefit is offered through Sallie Mae Insurance Services, a service of Next Generation Insurance Group, LLC, a licensed insurance producer. For insurance licensing information,
visit https://www.salliemae.com/insurance. Coverage is underwritten by Markel Insurance Company, Deerfield, IL; Administrative Office: Glen Allen, VA.

(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. Smart Option Student Loans are made by Sallie Mae Bank® or a lender partner. Information advertised valid as of 05/25/2012.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION. © 1995 - 2012 Sallie Mae, Inc. All rights reserved.

The Sallie Mae logo is a service mark of, and Sallie Mae, Sallie Mae Bank, Sallie Mae Smart Option Student Loan, Smart Reward, and Sallie Mae Insurance Services 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.

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