| You may have seen the news about her. If not, you | | | | half-time status, you can consolidate your Grad PLUS |
| missed the headlines about Phyllis Turner, a | | | | loan(s), either alone or along with any other eligible |
| 94-year-old great-great-grandmother from Australia | | | | federal student loans, and take advantage of all the |
| who just graduated with her master's degree in | | | | features of federal student loan consolidation ( |
| medical science. If this sweet, cane-toting granny can | | | |  Co-signers allowed, so if you don't meet |
| handle the rigors of a graduate education, it becomes | | | | the credit requirements for a Grad PLUS loan, you |
| a little harder to come up with an excuse for why | | | | can apply with an eligible co-signer.  |
| you can't. Is the cost of a graduate degree holding | | | | Mid-year application, so you can apply for a Grad |
| you back? Let NextStudent pave your financial way | | | | PLUS loan even if the school year's already started. |
| with a Grad PLUS loan ( Designed to help graduate | | | | Contact your financial aid office for the exact final |
| and professional degree-seeking students meet their | | | | deadline. Big Rewards With a Grad PLUS Loan From |
| educational needs, Grad PLUS loans from | | | | NextStudent If you're thinking of pursuing your goal |
| NextStudent, a leading Phoenix-based education | | | | of going to graduate school, of if you're trying to |
| funding company, allow you to borrow up to the full | | | | finish up your professional degree, a Federal Grad |
| cost of attendance, less other financial aid received. | | | | PLUS Loan could give you the financial help you need. |
| Your cost of attendance isn't just tuition; it also | | | | And with a Grad PLUS loan from NextStudent, you're |
| includes any program fees, educational materials, and | | | | eligible for our rate reduction rewards.  |
| a reasonable allowance for transportation and living | | | | Get an immediate 0.25% rate reduction as soon as |
| expenses. Fixed Interest Rates and In-School | | | | you sign up to have your student loan payments |
| Deferment Benefits The Federal PLUS Loan Program, | | | | automatically deducted from your savings or checking |
| which used to only be available to parents of | | | | account. Lower your rate and never have to worry |
| undergraduates, was expanded last year to offer | | | | about late payments or lost mail.  We'll |
| additional financing options to graduate and | | | | knock another 1% off your rate after your first 36 |
| professional students. Eligible students who still have | | | | on-time payments. And we'll lock in this 1% rate |
| educational expenses to meet can qualify for Federal | | | | reduction for the life of the student loan, even if you |
| Grad PLUS Loans even if they've already received | | | | miss a payment later on down the road.  |
| other forms of financial aid, such as grants or Federal | | | | OR make 48 consecutive on-time payments and |
| Stafford Student Loans. If you're a student enrolled | | | | lower your rate by 2%. With a graduate degree in |
| at least half-time in a graduate or professional degree | | | | hand, you could see a big return on your investment. |
| program who meets the credit and eligibility | | | | A survey conducted in 2004 ( showed that people |
| requirements for a Grad PLUS Loan from | | | | with advanced degrees earned, on average, almost |
| NextStudent, you can take advantage of several | | | | $27,000 more a year than those with bachelor's |
| borrower benefits:  Fixed interest rate of | | | | degrees. So what are you waiting for? Join Turner |
| 8.5%  No prepayment penalties | | | | and other knowledge-hungry minds in learning more |
|  In-school deferment, which lets you | | | | about your professional area of interest and following |
| choose to defer making payments until you've | | | | a path you're passionate about. And let us give you |
| finished school or dropped below half-time enrollment. | | | | the financials means to pay for all your graduate |
|  Forbearance and hardship deferment | | | | school expenses so you can focus on learning and |
| periods, so if you're having trouble making your | | | | working your way toward that income-boosting |
| monthly payment, you can request to temporarily | | | | degree. NextStudent believes that getting an |
| postpone making payments without affecting your | | | | education is the best investment you can make, and |
| credit rating.  Consolidation benefits, so | | | | we are dedicated to helping you pursue your |
| that once you've left school or dropped below | | | | education dreams by making college funding simple. |