VERMONT ADVANTAGE STUDENT LOAN VERMONT STUDENT ASSISTANCE CORPORATION

APPLICATION AND SOLICITATION DISCLOSURE P.O. BOX 999, WINOOSKI, VT 05404-0999

1-800-226-1029 or (802) 655-4050 www.vsac.org

Loan Interest Rate & Fees

Your Interest Rate (upon approval)
The interest rate you pay will be determined when you apply
and will be based on the creditworthiness of the cosigner, the
Your interest rate will be between
repayment term you select, and the repayment option you
select. If you choose to make payments of principal and
interest while in school, your rate will be between 5.50% and
7.08%. If you choose to make interest-only payments while
you are in school your rate will be between 7.44% and 8.64%.
5.50% and 9.56%
If you choose to defer all payments while you are in school
your rate will be between 8.50% and 9.56%; this choice is
subject to VSAC approval and the availability of funds. If
approved, we will notify you of the rates you qualify for based
After the rate is set, it will be fixed on the cosigner’s creditworthiness and the repayment options.
for the life of your loan.
Your Interest Rate during the life of the loan
Your rate is fixed. This means that your rate will remain the
same for the life of your loan. For more information on this
rate, see the reference notes.

Your rate will never change during the life of your loan. The rate
is determined by the cosigner’s creditworthiness and your
repayment selections and will remain constant.
Loan Fees
Late Fee: 6% of the amount of the late payment. Returned Check Charge: $10.00.
Loan Cost Examples
The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides
estimates based upon three (3) repayment options that may be available to you while enrolled in school.

Repayment Option Amount Provided Interest Rate Loan Term Total Paid over
(while enrolled in school) (amount provided (highest possible (how long you have to the Loan Term
directly to you or your starting rate) pay off the loan) (includes associated
school) fees)

1. PRINCIPAL and INTEREST 6.78% 10 years starting after the $13,796.37

PAYMENT final disbursement.
$10,000
Pay both the principal and interest amounts 15 years starting after the
7.08% final disbursement. $16,258.08
while enrolled in school.
10 years starting after the
2. INTEREST-ONLY PAYMENT 8.34% deferment period. $17,830.12
Make interest-only payments while enrolled in $10,000
15 years starting after the
school. 8.64% deferment period. $21,035.87
3. DEFERRED PAYMENT 10 years starting after the
9.26% deferment period
$20,583.14
Make no payments while enrolled in school.
$10,000
Interest will accrue and be added to your loan 15 years starting after the
principal. 9.56% deferment period.
$25,464.82

About this example: All the repayment examples assume a single disbursement, the highest possible interest rate for the repayment option, that
you remain in school for 4 years and that there is no grace period after you leave school. The Deferred Payment option assumes that repayment
begins after you leave school. The Interest-Only Payment option assumes that you will make interest payments while in school and that repayment of
the principal and interest begins after you leave school. The Principal and Interest Payment option assumes that repayment begins at final
disbursement.
 Page 2 of 2

Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type

You may qualify for Federal
Direct Subsidized and education loans.
6.39% fixed Undergraduate
Unsubsidized For additional information, contact
for Undergraduate Students
your school’s financial aid office
or the Department of Education at:
Direct Unsubsidized https://studentaid.gov/
for Graduate or 7.94% fixed Graduate unsubsidized
Professional Students

Direct PLUS
for Parents and Graduate/ 8.94% fixed
Professional Students

Next Steps

1. Find Out About Other Loan Options.

Some schools have school-specific student loan benefits and terms not detailed on this form. Contact
your school’s financial aid office or visit the Department of Education’s web site at: https://studentaid.gov/
for more information about other loans.

2. To Apply for this Loan, Complete the Application and the Self-Certification Form.
You may get the certification form from your school’s financial aid office. If you are approved for this loan,
the loan terms will be available for 30 days (terms will not change during this period, except as permitted
by law).

REFERENCE NOTES

Interest Rate
This loan has a fixed interest rate. Your rate is determined by the
creditworthiness of the cosigner and the loan term and the Cosigner Must:
repayment option you choose when you apply for the loan. • Be a U. S. citizen or an eligible non-citizen.
• Meet VSAC credit requirements.
Eligibility Criteria
Bankruptcy Limitations
Borrower Must: If you file for bankruptcy, you may still be required to pay back this
• Be enrolled or re-enrolling at an eligible post-secondary loan.
institution on an at least a half time basis.
• Be attending an eligible Vermont institution or be a Vermont More information about loan eligibility and repayment and
resident attending an eligible institution in another state. forbearance options is available in your Application/Credit
• Be a U. S. citizen or an eligible non-citizen. Agreement.
• Be eligible for federal student aid.
 Page 1 of 2
VERMONT ADVANTAGE PARENT LOAN APPLICATION VERMONT STUDENT ASSISTANCE CORPORATION
AND SOLICITATION DISCLOSURE P.O. BOX 999, WINOOSKI, VT 05404-0999
1-800-226-1029 or (802) 655-4050 www.vsac.org

Loan Interest Rate & Fees

Your Interest Rate (upon approval)
The interest rate you pay will be determined when you apply
and will be based on your creditworthiness, the repayment
Your interest rate will be between
term you select and which repayment option you select. If you
choose to make payments of principal and interest when the
loan is fully disbursed your rate will be fixed between 5.50%
and 7.08%. If you choose to delay all payments for 12 months
from the final disbursement date your rate will be fixed
5.50% and 9.56%
between 8.50% and 9.56%; this choice is subject to VSAC
approval and the availability of funds. If approved, we will
notify you of the rate you qualify for based on your
creditworthiness and repayment options.
After the rate is set, it will be fixed
for the life of your loan. Your Interest Rate during the life of the loan
Your rate is fixed. This means that your rate will remain the
same for the life of your loan. For more information on this
rate, see the reference notes.

Your rate will never change during the life of your loan. The rate
is determined by your creditworthiness and repayment selections
and will remain constant.
Loan Fees
Late Fee: 6% of the amount of the late payment. Returned Check Charge: $10.00.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides
estimates based upon two (2) repayment options that may be available to you.

Repayment Option Amount Provided Interest Rate Loan Term Total Paid over
(amount provided (highest possible (how long you have to the Loan Term
directly to you or your starting rate) pay off the loan) (includes associated
school) fees)

1. PRINCIPAL and INTEREST 10 years starting after

6.78% the final disbursement.
$13,796.37
PAYMENT
Pay both the principal and interest amounts.
$10,000
15 years starting after
7.08% the final disbursement.
$16,258.08
10 years starting
2. DELAYED PAYMENT
9.26% after the delayed $16,791.77
Make no payments until 12 months from final $10,000 period.
disbursement date. Interest will accrue and be
added to your loan principal.
15 years starting
9.56% after the delayed $20,660.15
period

About this example: All the repayment examples assume a single disbursement and the highest possible interest rate for the repayment option.
The Delayed Payment option assumes that repayment begins 12 months after the final disbursement. The Principal and Interest Payment option
assumes that repayment begins at final disbursement.
 Page 2 of 2

Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type

You may qualify for Federal
Direct Subsidized and
education loans.
Unsubsidized 6.39% fixed Undergraduate For additional information, contact
for Undergraduate Students your school’s financial aid office
or the Department of Education
Direct Unsubsidized at: https://studentaid.gov/
for Graduate or 7.94% fixed Graduate unsubsidized
Professional Students

Direct PLUS
for Parents and Graduate/ 8.94% fixed
Professional Students

Next Steps

1. Find Out About Other Loan Options.

Some schools have school-specific student loan benefits and terms not detailed on this form. Contact
your school’s financial aid office or visit the Department of Education’s web site at: https://studentaid.gov/
for more information about other loans.

2. To Apply for this Loan, Complete the Application and the Self-Certification Form.
You may get the certification form from your school’s financial aid office. If you are approved for this loan,
the loan terms will be available for 30 days (terms will not change during this period, except as permitted
by law).

REFERENCE NOTES

Interest Rate Student Must:

This loan has a fixed interest rate. Your rate is determined by • Be a U. S. citizen or an eligible non-citizen.
your creditworthiness and the loan term and the repayment option • Be enrolled or re-enrolling at an eligible post-secondary
you choose when you apply for the loan. institution on an at least a half time basis.
• Be eligible for federal student aid.
• Be a Vermont resident or attending an eligible Vermont
Eligibility Criteria institution.

Borrower Must: Bankruptcy Limitations

• Meet VSAC credit requirements. If you file for bankruptcy, you may still be required to pay back this
• Be a U. S. citizen or an eligible non-citizen. loan.
• Be a Parent of an eligible student who is a Vermont resident or
attending an eligible Vermont institution. More information about loan eligibility and repayment and
forbearance options is available in your Application/Credit
Agreement.
 Page 1 of 2
VERMONT STUDENT ASSISTANCE CORPORATION
VERMONT CHOICE LOAN APPLICATION AND
P.O. BOX 999, WINOOSKI, VT 05404-0999
SOLICITATION DISCLOSURE
1-800-226-1029 or (802) 655-4050 www.vsac.org

Loan Interest Rate & Fees

Your Interest Rate (upon approval)
Your interest rate will be between The interest rate you pay will be determined when you apply.
It is based on the creditworthiness of the cosigner and the
repayment term you select. If you select a 10-year repayment
term, the rate will be between 5.50% and 6.78%. If you select
5.50% and
a 15-year repayment term, the rate will be between 6.05%
7.08% and 7.08%. If approved, we will notify you of the rate you
qualify for based on the cosigner’s creditworthiness and the
repayment term options.
After the rate is set, it will be fixed
for the life of your loan.
Your Interest Rate during the life of the loan
Your rate is fixed. This means that your rate will remain the
same for the life of your loan. For more information on this
rate, see the reference notes.

Your rate will never change during the life of your loan. The
rate is determined by the cosigner’s creditworthiness and
the repayment term selected and will remain constant.

Loan Fees
Late fee: 6% of the amount of the late payment. Returned Check Charge: $10.00.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides
an estimate based upon the only repayment option available to you while enrolled in school.

Repayment Option Amount Provided Interest Rate Loan Term Total Paid over
(while enrolled in school) (amount provided (highest possible (how long you have to the Loan Term
directly to you or your starting rate) pay off the loan) (includes associated
school) fees)
10 years starting
MAKE FULL PAYMENTS
6.78%
after the final $13,796.37
Pay both the principal and interest disbursement.
amounts starting while enrolled in $10,000 15 years starting
school, if applicable. 7.08% after the final $16,258.08
disbursement

About this example:

This repayment example assumes a single disbursement and the highest possible interest rate.
 Page 2 of 2

Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type

You may qualify for Federal
Direct Subsidized and
education loans.
Unsubsidized 6.39% fixed Undergraduate For additional information, contact
for Undergraduate Students your school’s financial aid office
or the Department of Education
Direct Unsubsidized at: https://studentaid.gov/
for Graduate or 7.94% fixed Graduate unsubsidized
Professional Students

Direct PLUS
for Parents and Graduate/ 8.94% fixed
Professional Students

Next Steps

1. Find Out About Other Loan Options.

Some schools have school-specific student loan benefits and terms not detailed on this form. Contact
your school’s financial aid office or visit the Department of Education’s web site at: https://studentaid.gov/
for more information about other loans.

2. To Apply for this Loan, Complete the Application and the Self-Certification Form.
You may get the certification form from your school’s financial aid office. If you are approved for this loan,
the loan terms will be available for 30 days (terms will not change during this period, except as permitted
by law).

REFERENCE NOTES

Interest Rate
This loan has a fixed interest rate. Your rate is determined by the creditworthiness of the cosigner and the loan repayment term
selected.

Eligibility Criteria
Borrower Must:
• Be participating or registered to participate in a program offered by a VSAC eligible institution; or
• For use to pay a Qualified Back Balance at an eligible Title IV institution, owe a balance from a term with a loan period end date
no more than 24 months in the past.
• Be attending or attended an eligible Vermont institution or a Vermont resident attending an eligible institution in another state.
• Be a U. S. citizen or an eligible non-citizen.
Cosigner Must:
• Be a U. S. citizen or an eligible non-citizen.
• Meet VSAC credit requirements.
Bankruptcy Limitations
If you file for bankruptcy, you may still be required to pay back this loan.

More information about loan eligibility and repayment and forbearance options is available in your loan Application/Credit
Agreement.
Notice for students attending Virginia schools:

Private education loans are one tool that students use to finance their education. Your lender and your
institution’s Financial Aid Office provide assistance with eligibility for the loans. For borrowers who have
existing private education loans, Virginia has a Student Loan Advocate to assist borrowers who are
struggling with repayment. You can contact the Student Loan Advocate at: State Council of Higher
Education for Virginia, James Monroe Building, 10th Floor, 101 N. 14th Street, Richmond, VA 23219;
[email protected]; 804‐786‐2832. In addition, resources for prospective and current private
education loan borrowers are available online at schev.edu/privateloan.
Agreement to Use Electronic Records and to Receive Records and Correspondence
Electronically (E-Sign Disclosure and Consent)

In this agreement, “VSAC” means the Vermont Student Assistance Corporation. The words "you”, “your" and “I” mean the
person performing the transaction for which this Consumer Disclosure and Consent is being provided.

Your Consent
You must give your consent to use electronic records and to receive records and correspondence electronically. Your
consent to use electronic records and receive electronically all loan correspondence, agreements, documents, records,
notices, disclosures and statements (collectively, “Correspondence”) applies to student loans or your student loan account
and includes, but is not limited to, completion of the application and loan agreement, and your electronic signature that
you must use to execute and sign your application and loan agreement. You must consent and agree to use electronic
records and receive Correspondence and records electronically by checking the box where indicated. If you decline to
give consent and would like to conduct this transaction in paper and receive paper Correspondence, please exit this
session and close your browser. Contact VSAC at: 800-226-1029 or [email protected] for a paper application.
VSAC reserves the right to provide paper Correspondence to you at any time at your designated U.S. Postal Service
address.

Paper Copies
If you would like a paper copy of a record or Correspondence VSAC sends you, you may print a copy for your records.
Electronic versions of Correspondence and records may be saved to your personal computer for future reference. You
may also request that VSAC provide, at no charge, a paper copy of your Correspondence or record by calling or email
VSAC at 800-226-1029 or [email protected]. The request for a paper copy of any Correspondence will not by itself
constitute a withdrawal of consent to use electronic records and to receive records and Correspondence electronically.

Withdrawal of Consent
You may withdraw your consent to receive Correspondence electronically and use electronic records by contacting VSAC
at 800-226-1029 or [email protected]. Your withdrawal of consent does not apply to Correspondence that was sent
electronically before your withdrawal of consent takes effect. In the event you withdraw your consent before completing
the loan process, your application and any unprocessed disbursements of money to your school may be cancelled.

Updating Your Electronic Contact Information

Your Correspondence and records will be available from your student loan account, and will be presented based on your
student loan account status. VSAC will send emails to alert you when there is Correspondence regarding your loan
account available. You agree to provide your current email address. You understand and agree that if VSAC sends you
an electronic Correspondence but you do not receive it because your electronic contact information on file is incorrect, out
of date, blocked by your service provider, or you are otherwise unable to receive electronic Correspondence, VSAC will
be deemed to have timely provided the Correspondence to you. If you use a spam filter that blocks or re-routes emails
from senders not listed in your email address book, you must add VSAC’s email address to your email address book so
that you will be able to receive emails from VSAC.

Hardware and Software Requirement

To use electronic records and receive Correspondence electronically, you will need the following computer hardware and
software:
• Access to the internet
• Hardware and software to support internet browsers such as Internet Explorer, Firefox, Google Chrome,
Safari or an equivalent browser
• Hardware and software to view and print PDF documents. You can download Adobe Reader at no
charge from http://get.adobe.com/reader/
• Access to a printer, if you would like to print your Correspondence

You will be notified if there is a substantial change to the hardware or software needed to receive or access electronic
Correspondence from VSAC electronically. By giving your consent, you are confirming that you have access to the
necessary hardware and software and are able to electronically receive, open, and print or download a copy of any
Correspondence for your records. You should print or save a copy of this E-Sign Disclosure and Consent for your records
as it may not be accessible online at a later date.
 Terms of Use:

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1. Acceptance of Terms.

By using this website, you agree to the Terms of Use.

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Please read these Terms of Use carefully. They govern the use of our website and form a
legally binding agreement between you and VSAC. If you do not agree to abide by the
Terms of Use, you must not use this website. These Terms of Use apply to this website
and the other VSAC websites or web applications that display or link to these Terms of
Use.


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the integrity of, the website;
H Harvest, collect, or store information about the users of this website or the
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7. Modifications to the Terms of Use.

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8. Intellectual Property Rights.

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10. Links to Third-Party Websites

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11. Copyright Infringement Notification.

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 The physical or electronic signature of the owner of the copyright or the

person authorized to act on behalf of the owner;
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are involved;
 Identification of the location of an original or an authorized copy of the
copyrighted work, such as a URL;
 Information reasonably sufficient to find the allegedly infringing material on VSAC
websites, such as the URL of the material;
 Information reasonably sufficient to permit VSAC to contact you, such as an address,
a telephone number, and an electronic mail address if available;
 A statement by you that you have a good faith belief that the disputed use of
the material is not authorized by the copyright owner, its agent, or the law;
and
 A statement made by you under penalty of perjury that the information in the
notification is accurate and that you are either the owner of the copyright or that
you are authorized to act on behalf of the owner.

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 12. Indemnification.

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 Your use of the website;
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13. LIMITATION OF LIABILITY.

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