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<div id="layDropAbout" style="position:absolute; width:102px; height:100px; z-index:3; top: 39px; left: 21px; visibility: hidden;"> <table border="0" cellpadding="0" cellspacing="0" width="103"> <!-- fwtable fwsrc="dropAbout.png" fwbase="dropAbout.gif" --> <tr> <td><img src="../library/images/spacer.gif" width="1" height="1" border="0"></td> <td><img src="../library/images/spacer.gif" width="101" height="1" border="0"></td> <td><img src="../library/images/spacer.gif" width="1" height="1" border="0"></td> <td><img src="../library/images/spacer.gif" width="1" height="1" border="0"></td> </tr> <tr> <td rowspan="3"><img name="dropAbout_r1_c1" src="../library/images/dropAbout_r1_c1.gif" width="1" height="101" border="0"></td> <td><a href="../about/history.htm" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('dropAbout_r1_c2','','../library/images/dropAbout_r1_c2_f2.gif',1)" ><img name="dropAbout_r1_c2" src="../library/images/dropAbout_r1_c2.gif" width="101" height="25" 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</div> <div id="layDropHighSchool" style="position:absolute; width:100px; height:100px; z-index:3; top: 39px; left: 128px; visibility: hidden;"> <table border="0" cellpadding="0" cellspacing="0" width="104"> <!-- fwtable fwsrc="dropHighSchool.png" fwbase="drophighschool.gif" fwstyle="Dreamweaver" fwdocid = "742308039" fwnested="0" --> <tr> <td><img src="../library/images/spacer.gif" width="104" height="1" border="0" alt=""></td> <td><img src="../library/images/spacer.gif" width="1" height="1" border="0" alt=""></td> </tr> <tr> <td><img name="drophighschool_r1_c1" src="../library/images/drophighschool_r1_c1.gif" width="104" height="3" border="0" alt=""></td> <td><img src="../library/images/spacer.gif" width="1" height="3" border="0" alt=""></td> </tr> <tr> <td><a href="../highschool/students/students.htm"><img name="drophighschool_r2_c1" src="../library/images/drophighschool_r2_c1.gif" width="104" height="27" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" 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border="0" cellpadding="0" cellspacing="0" width="103"> <!-- fwtable fwsrc="dropCollege.png" fwbase="dropCollege.gif" fwstyle="Dreamweaver" fwdocid = "742308039" fwnested="0" --> <tr> <td><img src="../library/images/spacer.gif" width="103" height="1" border="0" alt=""></td> <td><img src="../library/images/spacer.gif" width="1" height="1" border="0" alt=""></td> </tr> <tr> <td><a href="../collegegraduate/scholarship.htm" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r1_c1','','../library/images/dropCollege_r1_c1_f2.gif',1);"><img name="dropCollege_r1_c1" src="../library/images/dropCollege_r1_c1.gif" width="103" height="21" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="21" border="0" alt=""></td> </tr> <tr> <td><a href="http://www.fafsa.ed.gov" target="_blank" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r2_c1','','../library/images/dropCollege_r2_c1_f2.gif',1);"><img name="dropCollege_r2_c1" src="../library/images/dropCollege_r2_c1.gif" width="103" height="15" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="15" border="0" alt=""></td> </tr> <tr> <td><a href="http://www.mapping-your-future.org/services/oslcidx.htm" target="_blank" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r3_c1','','../library/images/dropCollege_r3_c1_f2.gif',1);"><img name="dropCollege_r3_c1" src="../library/images/dropCollege_r3_c1.gif" width="103" height="29" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="29" border="0" alt=""></td> </tr> <tr> <td><a href="https://www.nthea.com/borrowers/calc.asp#rates" target="_blank" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r4_c1','','../library/images/dropCollege_r4_c1_f2.gif',1);"><img name="dropCollege_r4_c1" src="../library/images/dropCollege_r4_c1.gif" width="103" height="28" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="28" border="0" alt=""></td> </tr> <tr> <td><a href="../collegegraduate/maxborrow.htm" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r5_c1','','../library/images/dropCollege_r5_c1_f2.gif',1);"><img name="dropCollege_r5_c1" src="../library/images/dropCollege_r5_c1.gif" width="103" height="38" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="38" border="0" alt=""></td> </tr> <tr> <td><a href="../collegegraduate/lenderslist.htm" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('dropCollege_r6_c1','','../library/images/dropCollege_r6_c1_f2.gif',1);"><img name="dropCollege_r6_c1" src="../library/images/dropCollege_r6_c1.gif" width="103" height="28" border="0" alt=""></a></td> <td><img src="../library/images/spacer.gif" width="1" height="28" border="0" alt=""></td> </tr> <tr> <td><a href="../collegegraduate/usefullinks.htm" 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onMouseOver="MM_swapImage('leftnavexistborrow14n','','../library/images/leftnavexistborrow14n-f2.gif',1)" ><img name="leftnavexistborrow14n" src="../library/images/leftnavexistborrow14n.gif" width="175" height="15" border="0"></a></td> <td><img src="../library/images/spacer.gif" width="1" height="15" border="0"></td> </tr> <tr> <td colspan="3"><img name="leftnavexistborrow15o" src="../library/images/leftnavexistborrow15o.gif" width="175" height="2" border="0"></td> <td><img src="../library/images/spacer.gif" width="1" height="2" border="0"></td> </tr> <tr> <td rowspan="2"><img name="leftnavexistborrow16p" src="../library/images/leftnavexistborrow16p.gif" width="1" height="18" border="0"></td> <td><a href="../formsandcalculators/formsandcalcs.htm" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('leftnavexistborrow17q','','../library/images/leftnavexistborrow17q-f2.gif',1)" ><img name="leftnavexistborrow17q" src="../library/images/leftnavexistborrow17q.gif" width="173" height="14" border="0"></a></td> <td rowspan="2"><img name="leftnavexistborrow18r" src="../library/images/leftnavexistborrow18r.gif" width="1" height="18" border="0"></td> <td><img src="../library/images/spacer.gif" width="1" height="14" border="0"></td> </tr> <tr> <td><img name="leftnavexistborrow19s" src="../library/images/leftnavexistborrow19s.gif" width="173" height="4" border="0"></td> <td><img src="../library/images/spacer.gif" width="1" height="4" border="0"></td> </tr> </table> <p><a href="../bannerads/ratereduction.htm"><img src="../images/banner/bansave.gif" width="136" height="86" border="0"></a></p> <!-- #EndEditable --></td> <td align="left" valign="top" class="bodycopy" width="40" rowspan="2">&nbsp;</td> <td align="left" valign="top" class="bodycopy" width="359" rowspan="2"><!-- #BeginEditable "BodyCopy" --> <p><span class="bodysectiontitleExisting">NTHEA Borrower Savings Program</span><span class="bodysectiontitle"> </span></p> <p>North Texas Higher Education Authority, Inc. (NTHEA) offers students the ability to save hundreds and sometimes thousands of dollars once your student loans go into repayment by providing outstanding borrower benefits and incentives. <br /> <br /> <b><em style="color: Red;">The benefits listed below are for borrowers who have or will enter repayment between July 1, 2007 through June 30, 2008.</em></b></p> <ol> <li> <b><em>Interest Reduction</em></b> - After leaving school, sign up for auto debit through our servicing agent and receive an immediate .75% interest rate reduction.<sup>1</sup></li> <li><b><em>Principal Reduction</em></b> - Make on-time payments and receive up to 6% in total principal reductions - 1% after 12 months, 2% after 24 months and, an additional 3% after 36 months of on-time payments<sup>1</sup></li> <li><em><strong>Loan Forgiveness</strong></em> - Pay your combined account balance down to less than $600 and your balance will be forgiven with our Early Loan Forgiveness (ELF) Program.<sup>2</sup></li> </ol> <div style="text-align: center;"> <table border="0" cellpadding="1" cellspacing="1" style="text-align: center; font-size: 9pt;"> <tr> <td colspan="2"> <strong>SAMPLE SAVINGS<br /> AMOUNTS:</strong><sup>3</sup> </td> </tr> <tr> <td>Original<br /> Loan Amount</td> <td> <strong>Approximate<br /> Savings</strong></td> </tr> <tr> <td>$7,500</td> <td> <strong>$1,634</strong></td> </tr> <tr> <td>$15,000</td> <td> <strong>$2,669</strong></td> </tr> <tr> <td>$25,000</td> <td> <strong>$4,050</strong></td> </tr> <tr> <td>$50,000</td> <td> <strong>$7,500</strong></td> </tr> </table> </div> <div style="font-size: 7pt; font-style: italic;"> <p>1. The NTHEA savings program applies to all Stafford and PLUS loans that are first disbursed or enter repayment status on or after July 1, 2007 through June 30, 2008 (excluding consolidation loans). Borrower must be in repayment status to be eligible for the auto debit interest rate reduction. Principal reductions are calculated on the total principal amount outstanding after the 12th, 24th and 36th full scheduled qualifying payment is made. NTHEA reserves the right to change or discontinue the program at any time without notice, but previously qualified loans will not be affected. Other terms and conditions may apply.</p> <p>2. The Early Loan Forgiveness (ELF) program applies to all loans with NTHEA (excluding consolidation loans whose applications are received on or after 1/1/08). The ELF program is limited to one benefit per borrower, and borrower must be in repayment to be eligible. NTHEA reserves the right to discontinue or make changes to the ELF program at any time without notice, but previously qualified loans will not be affected. Other terms and conditions may apply.</p> <p>3. Savings are based on a 6.80% Stafford loan, 10-year repayment term, standard repayment plan, participation in auto debit through our servicing agent and the maximum ELF benefit. Savings are applied to the principal balance outstanding so that payment amounts will not change, but the repayment period is shortened; however, the option to lower monthly payments is available. NTHEA reserves the right to change or discontinue or make changes to the program at any time without notice, but previously qualified loans will not be affected.</p> </div> <p><b><em style="color: Red;">Borrowers whose loans are first disbursed on or after July 1, 2008 will be eligible for the following benefits.</em></b></p> <ol> <li><b><em>.30% Interest Rate Reduction for Auto Debit</em></b> - Sign up for auto debit through our servicing agent and receive an immediate .30% interest rate reduction.<sup>4</sup></li> <li><b><em>10% Early Loan Forgiveness (ELF) Program</em></b> - NTHEA will forgive 10% or a maximum of $1,000 of your balance.<sup>5</sup></li> </ol> <div style="text-align: center;"> <table border="0" cellpadding="1" cellspacing="1" style="text-align: center; font-size: 9pt;"> <tr> <td colspan="4"> <strong>SAMPLE SAVINGS<br /> AMOUNTS:</strong><sup>6</sup></td> </tr> <tr> <td>Original Loan Amount</td> <td> <em>Auto Debit Interest Rate Savings</em></td> <td> <em>Early Loan Forgiveness</em></td> <td> <strong>Total Approximate Savings</strong></td> </tr> <tr> <td>$7,500</td> <td>$216</td> <td>$750</td> <td><b>$966</b></td> </tr> <tr> <td>$15,000</td> <td>$410</td> <td>$1,000</td> <td><b>$1,410</b></td> </tr> <tr> <td>$25,000</td> <td>$657</td> <td> $1,000 <td><b>$1,657</b></td> </tr> <tr> <td>$50,000</td> <td>$1,293</td> <td>$1,000</td> <td><b>$2,293</b></td> </tr> </table> </div> <div style="font-size: 7pt; font-style: italic;"> <p>4. Applies to all Stafford and PLUS loans first disbursed on or after 7/1/2008. Borrower must be in repayment status to be eligible. NTHEA reserves the right to change or discontinue its benefit(s) at any time without notice, but previously qualified loans will not be affected.</p> <p>5. The Early Loan Forgiveness (ELF) Program applies to all Stafford and PLUS loans first disbursed on or after 7/1/2008 that are held by NTHEA at the time of forgiveness. The ELF Program is limited to one benefit per borrower, borrower must be in repayment to be eligible, and the borrower must have made at least one full payment on the <br />loan(s). Up to 10% of the original principal account balance may be forgiven, not to exceed $1,000, once the account has been paid down to the aforementioned balance or less. Borrowers who qualify for NTHEA s ELF benefit of up to $599 (loans disbursed from 6/27/02 through 6/30/08) and who also have additional NTHEA loans disbursed on or after 7/1/08 eligible for NTHEA s new ELF benefit of up to $1,000 will receive only one ELF benefit. NTHEA will apply the benefit amount most beneficial to the borrower based on the criteria applicable to each program. NTHEA reserves the right to change or discontinue its benefit(s) at any time without notice, but previously qualified loans will not be affected.</p> <p>6. Savings are based on a 6.80% Stafford loan, 10-year repayment term, standard repayment plan, participation in auto debit through our servicing agent and the maximum ELF benefit. Savings are applied to the principal balance outstanding so that payment amounts will not change, but the repayment period is shortened; however, the option to lower monthly payments is available. NTHEA reserves the right to change or discontinue the program at any time without notice, but previously qualified loans will not be affected.</p> </div> <p><span class="bodysectiontitleExisting">What are my Repayment Options?</span><span class="bodysectiontitle"> </span></p> <p>When your student loan enters repayment, you have several repayment options available to you. If your loan is through an NTHEA lender, the following six options are available to you to assist with your repayment:</p> <p><em>Standard Repayment</em><br /> Under the standard repayment plan, your payments remain the same each month, until the final payment. The final payment may be higher or lower to complete the payoff of the loan. You repay the least amount of interest under this plan.</p> <p><em>Graduated Repayment</em><br /> Under graduated repayment, you begin repaying your loan at a lower payment amount than normal. Every two years, your payment amount will increase until the balance of the loan is repaid within the maximum repayment term applicable to your loan. You pay a little more in interest, but your initial payments are lower than normal.</p> <p><em>Income Sensitive Repayment</em><br /> With this option, your monthly payment amount is adjusted annually to reflect changes in your income, based on your total monthly income and total student loan debt. This option may be used for a maximum of five years at which time your account(s) will convert to graduated or standard payments.</p> <p><em>Extended Repayment</em><br /> If you are a new borrower as of October 7, 1998, and have borrowed at least $30,000 in FFELP loans, you may qualify for extended repayment. This plan allows you to repay your loans over a maximum period of up to 25 years, without having to consolidate your loans. Repaying your loan over a longer period of time will increase your interest costs, but this option may allow you to retain our generous borrower benefits.</p> <p><em>Prorated Payment</em><br /> Prorating your payments may reduce your payment amount on two or more loans we service, which cannot be combined. 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