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Options

Option 1

Assumptions :

•  The course of study is from one (1) week to seventy-two (72) months in length.
•  Loans would be for a minimum of $500.00 to a maximum of $15,000.00.
•  The interest rate will be approximately 8% - 18%.
•  70% cash at start date and 30% reserve to be recovered as student pays. Other options are available .
•  Payments will be scheduled from a minimum of six (6) months to a maximum of ten (10) years. THIS IS THE SCHOOLS DECISION.
•  The student may make a small down payment to the school, or have a grant. THIS IS THE SCHOOLS DECISION.
•  The student is required to meet minor loan qualifying standards.

~ Option 1 Only ~

Loan Qualifying

•  Will take a fully discharged bankruptcy.
•  Will take, within reason, some charge-off accounts.
•  Will consider income based on new employer .
•  Co-signer accepted.
•  Automatic debit from checking, savings or credit card (if desired).
•  Payroll deduction – monthly (if desired).
•  Can be a renter or homeowner.
•  Joint income considered.
•  Six (6) months to ten (10) years payback.
•  Insufficient or non-existent credit history may not be considered an adverse credit history .
•  8% to 18% interest rate.

~ Option 2 ~

No Down Payment ¨ No Qualifying Required

Assumptions:

 •  The course of study is from one (1) week to seventy-two (72) months in length.
•  No down payment required, no loan qualifying .
•  Loans would be for the amount of a minimum of $500.00 to a maximum of $15,000.00.
•  The interest rate will be approximately 8% to 18%.
•  Payments will be scheduled from a minimum of six (6) months to a maximum of ten (10) years.
•  Purchase price is a function of interest rate, term of loan, etc.