The following is a list of established lenders who we have placed on our PLUS Lender list because their services are exemplary and are designed to benefit you. The lender is the institution from which the money is actually borrowed, but the interest rates and terms of the loan are set by the U.S. Department of Education. Some lenders offer special incentives that reduce your loan balance or lower your interest rates. You may want to visit their web sites for more information.  Please note that Bethany will certify a PLUS loan for you with any lender you choose, even if they do not appear on the list below.

Bank of America Lender Information:    Lender Code: 818334    www.bankofamerica.com/studentbanking    800-344-8382  Special Benefits/Incentives:    Up to 3.00% principal credit during repayment:            * Make first 12 payments on time = 1.00% principal reduction            * Make next 12 payments on time = 1.00% principal reduction            * Make next 12 payments on time = 1.00% principal reduction    0.25% interest rate reduction for auto debit  How to Apply:    Apply at   www.mohela.com

Commerce Bank  Lender Information:    Lender Code: 813979    www.commercebank.com/money101     1-800-666-3910  Benefits:    0% Default Fee    2% Interest rate reduction for enrolling in auto-debit and keeping the account current.    5-minute PLUS Pre-approvals. How to Apply:    Apply at   enroll.commercebank.com

Wachovia Lender Information:    Lender Code: 830005    www.wachovia.com/education    800-338-2243  Special Benefits/Incentives:    *  Make no payments for up to 4 years with available forbearance         Triple Payback for PLUS     *  Enjoy three rebates of your original loan amount when payments are made using auto debit              *  Immediate 1.00% rebate at the start of repayment             *  Another 1.00% rebate after all of the first 12 payments             *  Extra 1.50% rebate after all of the first 24 payments  How to Apply:    Apply at   www.wachovia.com/education

Citibank  Lender Information:    Lender Code: 826878    www.studentloan.com    800-967-2400  Special Benefits/Incentives: Save 1.00% up-front with Zero Federal Default Fees Save up to 6.00% on your principal loan balance with Citibank’s ZERO payments your last 6 months when all payments are made on time Automatic 0.75% interest rate reduction at repayment Additional 0.50% interest rate reduction when you sign up for E-Z Pay auto debit and receive electronic statements only Defer payments while your child is in school for up to 48 months Interest Only payment option New! Benefit Recovery Feature: Unlimited chances to earn back your automatic interest rate reduction if lost as a result of late payments Online Services including the ability to access your account, make changes and pay online at www.studentloan.com  How to Apply:    Apply at   www.studentloan.com

Check with the lender for details and conditions regarding eligibility for Special Benefits or Incentives.