Stafford Loan
At this time benefits and terms on Stafford loans are the same for all lenders we are suggesting

Parent (PLUS) Loan
Most benefits and terms on PLUS loans are the same for all lenders we are suggesting.  The following benefits are
unique:
Ed America offers a .60 interest rate reduction for auto-debit with continuous on-time payments
Citibank offers a .50 interest rate reduction for auto-debit with continuous on-time paymen
Key Bank, Citizens Bank and Chase all offer a .25 interest rate reduction for auto-debit with continuous 
on-time payments.

Private/Alternative/non-Federal Loan Lenders
Some of our students have the need to borrow additional funds from private sources.  While we recommend that
students and families exhaust all of their Stafford and PLUS eligibility, we realize this is not possible in all circum-
stances. Private loans are more costly, riskier and typically require a co-signor and have a greater affect on long
term credit scores of the borrower and co-signor.

At this time we are not making any recommendations of lenders to use for this type of loan.

Determining the unique benefits of these lenders is very complicated.

New York State Higher Education Services Corporation, a New York State Agency, will soon be offering a service
where students can compare private loans on one site with one credit check.  SUNY Oswego will be recommending
that our students use this product.  We hope it will be available by mid-July.