1. During School (effective for loans guaranteed on or after 7/1/06).
   (Subsidized & Unsubsidized Stafford)
• 2% savings in origination fees
• 1% savings in default fees
2. During Repayment*
   (Subsidized & Unsubsidized Stafford & PLUS loans)
• 1% interest rate reduction for automatic payment from your checking account
• 1% interest rate reduction after 24 on-time payments
• 1% additional interest rate reduction after 36 on-time payments
3. If Working in Arkansas as a Teacher, Nurse, Law Enforcement Officer, Paramedic or part of the Arkansas National Guard*
   (Subsidized & Unsubsidized Stafford)
• Up to 4% interest rate reduction for qualified professions immediately upon repayment

To qualify for a student loan, you must be an Arkansas resident with a permanent home address outside the city limits of Little Rock, North Little Rock, Pine Bluff or Fort Smith. (Note: Adverse credit history may impact approval.)

Please let your school’s financial aid office know that you would like to use Lender #800246; then complete and return the "New One-Page Application". The application can be downloaded by clicking the link above or you may complete it online. (Note: Application is required with first loan only)

*Repayment interest reduction benefits are provided through our partnership with Arkansas Student Loan Authority.