1. Create your loan listing

• Maximum loan limit is the cost of attendance less other financial aid, subject to a $170,000 limit.

• Minimum loan amount is $5,000

• Minimum monthly payment amount is $100 for standard repayment.

• Prime Rate + 5.00% with no fees. Annual Adjustment. For the 2009 year, interest will accrue at 8.25%. Please see the Graduate Student Loan Variable Rate section in the Graduate Student Loan Addendum for more information.

• Unpaid interest that accrues while you are in school will be capitalized (added to your loan amount) as provided in the Graduate Student Loan Addendum. You will then pay interest on a higher loan amount unless you choose to pay the accrued interest before the repayment period begins.

• Repayment begins six months after you graduate, leave school or cease to meet approved enrollment requirements. You can always prepay loans at any time without penalty.

• You can be eligible for a rate reduction of 0.125% if automated payments from a Coastal Account are set up.

• For a requested loan amount of $50,000, an APR of 8.25%, an interest rate calculated by adding 5.00% to the current Prime Rate of 3.25%, and a repayment term of 300 months, borrowers will approximately owe monthly payments of $394.43 in principal and interest.

• APR Assumptions: The APR is effective as of May 1, 2009. The APR is a variable rate loan and will increase if the Prime Rate increases, as will the payment amount, but for purposes of this calculation, we have assumed that the interest rate does not change

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