UB annual finance guide: an easy-to-use guide on finance information for higher education

University Business, Nov, 2004

Fax: (800) 770-8864

www.citizensbank.com/personal/borrowing/pers_ed_fin.asp

Collegiate Funding

Services Inc

1004 Spotsylvania Avenue, Suite 100

Fredericksburg, VA 22406

Phone: (866) 922-9965

www.cfscampusloans.com

ABOUT US

Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing, and campus-based, scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $15 billion in education loans, and currently manages $10 billion in student loans for more than 400,000 borrowers.

PRODUCTS/SERVICES

We offer STAFFORD and PLUS loan programs that rewards borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED and NON CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students and K-12 students.

For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details.

Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student load refinance products offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer our graduates the benefit of combining multiple loans into a single monthly payment and bill, repayment flexibility, and no application fees or charges. Graduates can apply easily over the telephone or online, and there are no fees to pay or prepayment penalties.

Our PRIVATE CONSOLIDATION loan program is one of the few consolidation products available to the growing number of graduates with privately insured student loans. Graduates will benefit from refinancing their multiple privately insured student loans into one refinanced loan with lower monthly payments and one simple billing statement. Graduates can apply easily over the telephone or online, and there are no out-of-pocket expenses.

NEWS

Visit www.cfscampusloans.com or call (866) 922-9965 to contact your campus regional director for more details. * Limited time offer.

EDAMERICA

Contact: Tony Hollin,

chairman & CEO

123 Center Park Drive,

Knoxville, TN 37922

Phone: (800) 337-1009