All fee services (sites which provide the majority of its services for a fee or whose primary business is selling material on how to obtain aid) should be placed in the Fee Services category.

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Lowest-Cost Loan Program Helps Families in the Commonwealth
Pay for College Without Breaking the Bank

RESTON, Va. Unlike benefits offered by other
lenders where only a fraction of borrowers meet the eligibility criteria,
Sallie Mae's Pennsylvania Rewards program places benefits up front so that
more of your students will qualify and can use this money for education
expenses. Please
contact Kelly Carone at 415-242-0300 or kcarone@limeprpromo.

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1
percent.

Tuition Payment Plans
Many schools offer families the opportunity to make monthly tuition
payments over the course of the school year, an interest -free alternative to a
large, one-time payment due at bill time. Students and
their families should ask their campus bursar or financial aid office for more
information. After years of decline, the federal
government has announced an interest rate increase of nearly 60% for all
student loans made on or after July 1, 1998.70% for borrowers in school, grace or deferment and 5. For the last remaining days
before the interest rate increase take effect, the help center's
extended hours will be from 7am to 10pm, PDT.

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For more information about ways that Pennsylvania families can pay for
college, visit http://www.

Chela's New G.com to schedule an
interview or to request additional information.

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The most common type of
student loan is the Federal Stafford Loan . Sallie Mae was originally created in 1972 as a
government-sponsored entity (GSE) and terminated all ties to the federal
government in 2004.875%--benefiting anyone
with federal student loan debt .

529 guarantor

Students need to submit their application by midnight (PST) on
June 30 to receive the current interest rate.org or call
877. We
want to help you understand the financial aid process, your options , and what
to do to get the money you need to achieve your education goals, without
taking on unnecessary debt.

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In fact, many consumers wrongly assume they have to take costly
measures, such as dipping into retirement savings.
(Logo: http://www.m.

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It
is not too late for families to find other low -cost resources to foot this
semester's tuition bill without having to tap personal savings or retirement
funds. Through its specialized subsidiaries and
divisions, Sallie Mae also provides debt management services as well as
business and technical products to a range of business clients, including
colleges , universities and loan guarantors.

Chela Education Financing Now Helps Students In and Out of School Lock in Lowest Consolidation Rates

nextstudent aid

, As the new school year
approaches and tuition bills are in the mail, students and parents may think
their time has run out to find affordable financing for this year's college
costs.newscom. Interest rates and fees are based on credit history; the better the
student's or co-signer's credit, the lower the interest rates and fees.
Effective July 1, 2005 through June 30, 2006, Stafford Loan interest rates
will be 4. The interest rate for Federal PLUS loans will
be 6.

-- Chela eSign allows borrowers to apply and sign their consolidation
application electronically, dramatically decreasing the consolidation
process from an average of 30 days to as little as two weeks.chelaconsolidation.

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While interest rates for Federal Stafford Loans remain at historically low
levels -- 4.R.D.

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Countdown to College: Sallie Mae Helps Pennsylvania Families Pay for This Fall's Tuition Bill Before Classes Start

parentanswer. - 11 p.

Sallie Mae Tuition Answer(SM) Loan
The Sallie Mae Tuition Answer Loan allows creditworthy adult student and
parent borrowers to obtain up to $40,000 per year to cover education -related
expenses including tuition, room and board, books, supplies and living
expenses. There is no
requirement to meet financial aid application deadlines, complete traditional
federal or school financial aid forms, or obtain school certification, and
loan funds are sent directly to the borrower. The company remains the country's largest originator of
federally insured student loans . More information is available at
http://www. Chela is offering spokesperson to alert current students and former students
of consolidation options

SAN FRANCISCO , As expected, the federal government
has announced an interest rate increase for all variable rate federal student
loans made on or after July 1, 1998.

guarantor postsecondary

"
Sallie Mae offers families four ways to bridge the gap:

Sallie Mae PLUS Loan
Federal Parent Loans for Undergraduate Students (PLUS) Loans are the
lowest-cost way for parents to finance their child's education.

30% for
borrowers in all other statuses. This
approach can save students thousands of dollars in interest, if they
consolidate their loans before the new rate increase takes effect on July 1 ,
2005.

Financial aid comes in the form of scholarships, grants, loans and work programs.

lowest educations

Sallie
Mae offers parents free, no obligation credit decisions in minutes online at
http://www.com or over the telephone at 1-800-891-1410, Monday
through Friday, 8 a.

Sallie Mae Signature Student Loan(R)
For students in need of funds beyond the federal loan programs, the Sallie
Mae Signature Student Loan is the next best option.salliemae.99.

conclusion electronically

"The good news is that the Federal Stafford Loan
is not the end of the road in terms of affordable financing for education.com.
Chela Education Financing, a national student loan provider, continues its
mission of being "in it for the students" with a competitive loan
consolidation program--with interest rates as low as 2. This program was inspired by ongoing dialogue between Chela
and the college and university financial aid community who were concerned that
new graduates would be missing critical financial benefits.

-- Chela's Express Application Service requires only a name and a social
security number from an applicant -- a Chela Consolidation Loan
specialist will complete the rest of the application for review by the
applicant.

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Sallie Mae's Signature
Student Loan is a private education loan for undergraduate, graduate and
health profession students attending four-or-five-year schools at least half
time.SallieMae.salliemae.

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Compared with other lenders in the
state, the Sallie Mae Pennsylvania Rewards program will save the average
borrower $218 more in interest and fees.tuitionanswer . 1 paying-for-college company, managing more than $116 billion in student
loans for 8 million borrowers .

-- Extended Free Help Center Hours Those interested in benefiting from
consolidation can access http://www.CHELA (24352) for more information.

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7 percent for borrowers in school -- current federal loan limits
allow freshman students to borrow only up to $2,625. Borrowers may take up to 10 years to repay the loan with a wide
variety of repayment options, including delaying repayment for up to five
years while their child is in school or once their child leaves school.

SLM Corporation (NYSE: SLM), commonly known as Sallie Mae, is the nation's
No.

traineeships complied

Sallie Mae, the nation 's
No. As college costs rise, many families will need funding beyond the
Federal Stafford Loan Program this fall," said Frank Hollister, vice president
of Sallie Mae Pennsylvania. For a small fee, families can reduce
the amount they need to borrow to cover the cost of college.

coveted pell

ET. In addition , Sallie Mae assists parents
that do not immediately qualify for a PLUS Loan in resolving outstanding or
erroneous credit issues during credit review process.com/pa. Chela has also created two customized
programs that meet the unique needs of both recent graduates and those
students still in school .

Tools, Resources and Information
Chela has created special loan consolidations tools and resources to help
student loan holders make the often overwhelming and confusing consolidation
process easier and faster than ever.

This category covers financial aid for college.

natives scholarships

com poll, nearly 80 percent of respondents
said that, other than free money such as grants and scholarships, student
loans are the most economical way to pay for college. By logging onto http://www. Interest rates and fees are based on a borrower's credit history and
may be as low as Prime Rate plus 1.com. SLM Corporation and its subsidiaries are not
sponsored by or agencies of the United States of America .75% or higher.

529 completing

com/signature,
students can learn more about the Signature Student Loan and use Sallie Mae's
online pre-approval feature to receive credit results in seconds and complete
the entire application online using the e-signature process.5 percent for borrowers with excellent
credit.10 %, and consolidation interest rates will rise to 4.

Expert Availability
A Chela consolidation expert is available for media interviews -- offering
tips on what student loan borrowers need to know about consolidation. As a leading student loan provider, we
are able to put money where it belongs -into the hands of students-through
interest rate savings and discounts, loan rebates and scholarship programs.

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1 paying-for-college company, has affordable options available to help
families of Pennsylvania college-bound students meet the cost of higher
education this fall. While parents
can use PLUS Loans to borrow as much as they need -- including money for
tuition, room, board, books, supplies and even travel -- to cover their
child's cost of attendance, they are missing out: Nearly 42 percent of
recently polled parents had never heard of the PLUS Loan. Among their
advantages, PLUS Loans are not based on income or assets and do not require
collateral. Borrowers can be pre-approved in
five minutes by calling 1-800-749-9100 or by visiting
http://www.A.(TM) Program for graduating seniors
Created by Chela for the unique needs of graduating seniors, this program
allows college graduates to keep their grace period before entering repayment
while at the same time locking in the lowest available interest rate before
the rate increase.

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"Pennsylvania offers some of the most prestigious universities in the
country. Borrowers may select from several flexible repayment options, and may
take up to 20 years to repay the loan without prepayment penalty.

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com/cgi-bin/prnh /20030617/SLMLOGO-a )
According to a recent SallieMae. Sallie Mae and its participating
lenders -- Academic Management Services, College Board, Nellie Mae, Sallie Mae
Education Trust and Student Loan Funding -- offer the lowest-price Federal
Stafford Loan to Pennsylvania students. Parents who borrow from a Sallie Mae lender partner may be
eligible for an interest-rate reduction on top of today's low rate of 6. Sallie
Mae's Signature Student Loan offers interest rates as low as Prime Rate plus 0
percent with zero fees. Students who consolidate their loans will be able to secure a record low
interest rate, but will still be able to postpone payments until they have
left school .

completing educations

The Tuition
Answer Loan is a fast and flexible financing option designed to meet the needs
of students, working students and parents of college students.

Chela's New In-School Program
Due to a new government policy, Chela's loan consolidation program now
allows students who are still in school to consolidate their loan debt.

About Chela Education Financing
For more than 25 years, Chela Education Financing has focused solely on
putting education within reach of students and families by helping them find
the best financing solutions available.