Fixed monthly payment over the life of the loan.
Graduated: Monthly payments start low and gradually increase at specified levels.

Unconsolidated		Consolidated
Loan Amount	Current Payments	Level	Graduated (1st 2 Years)	Months
$20,000.00	$198	$136	$91	240
$40,000.00	$396	$242	$182	300
$60,000.00	$594	$335	$273	360
$80,000.00	$792	$447	$365	360
$100,000.00	$989	$559	$456	360

(Based on 5.375%. available if all loans are in grace when we fund and discounts are applies.)

Repayment Schedule

Loan Balance	Term	Payments
$10,000 - $19,999	15 Years	180 monthly payments
$20,000 - $39,999	20 Years	240 monthly payments
$40,000 - $59,999	25 Years	300 monthly payments
$60,000 and Up	30 Years	360 monthly payments