With Parent PLUS, parents can borrow up to the entire cost of education for their dependent children minus other aid awarded. Choose Wachovia for these great advantages:

• Save up to 7.25% of the original loan amount with Triple Payback® rebates*
  
• Fixed interest rate of 8.5%
  
• Covers up to 100% of the education costs less other aid received
  
• Make no payments for up to four years with available forbearance
  
• Apply online for faster funds
  

Apply Now for a Parent PLUS Loan

Federal PLUS Loan for Graduate Students

With Graduate PLUS, graduate and professional students can borrow up to their entire cost of education minus other aid awarded. Choose Wachovia for these great advantages:

• Reduced fixed rate of 7.9%*
  
• 3% rebate 180 days after disbursement*
  
• Make no payments while enrolled at least half time
  
• pply online for faster funds
  

Apply Now for a Graduate PLUS Loan

* Educaid may modify or discontinue this benefit program may be modified or discontinued at any time without notice. Program changes will not affect loans that qualify for the benefit prior to the time of the change. Other terms and conditions apply. Visit educaid.com for complete details and eligibility requirements.

Cover the Total Cost of Education

Parents can borrow up to a student's total cost of education minus student financial aid awarded. This total cost can include tuition and fees, room and meals, books and supplies, transportation, and more.

Easy to Apply

All parents of dependent students are welcome to apply! And, if you have concerns about your credit, don't worry. Our Parent PLUS counselors are trained to assist with credit issues and help you get approved.

1. This program may be modified or discontinued at any time without notice. Program changes will not affect loans that qualify for the benefit prior to the time of the change. Borrower is responsible for payment of applicable taxes. Other terms and conditions apply. Visit educaid.com for complete details and eligibility requirements.

2. Auto debit must be active by third month of repayment in order to qualify.

3. Future savings may vary. Effective savings rate is based on the total interest saved over the length of the loan when the rebate is applied to principal reduction. Estimated PLUS savings assume an interest rate of 6.10%. Further assumes that borrowers will make remaining loan payments on time.

4. Cash rebates total 3.5% when all 36 consecutive, scheduled payments are made on time using auto debit. Cash payments must be requested within 30 days of receiving notice of each rebate.