<h2>Alternative Loans</h2>
<p>The SIU School of Dental Medicine has a list of commonly used lenders for you to consider. These lenders were chosen for their good service to our students and their great repayment benefits. We will, however, process any loan application from any lender the student chooses; students and parents are <strong><span style="TEXT-DECORATION: underline">ALWAYS</span></strong> allowed to choose their own lender.</p>
<p><strong>To apply, please select <span style="TEXT-DECORATION: underline">ONE</span> lender from the list below:</strong></p>
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<h1 align="center">Alternative Loan Lender List</h1>
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<p><strong><span style="TEXT-DECORATION: underline">DENTAL ALTERNATIVE LOANS:</span></strong></p>
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<td width="15%"><strong>Terms / Condition</strong></td>
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<div align="center">
<p><a href="https://www.discover.com/student-loans/private-student-loans/index.html " target="_blank"><img src="/id0904f67a8073070e" alt="Discover Student Loans Logo" width="108" height="44" align="middle" border="0" /><br /><br />Discover Student Loans</a></p>
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<img alt="" src="/financialaid/loans/img/wellsfargo.jpg" width="61" height="62" />
<p><a href="https://www.wellsfargo.com/student/undergrad/med_alter/" target="_blank">Wells Fargo MedCAP<sup>®</sup> Loan</a></p>
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</td>
<td valign="top" width="15%">
<p align="center"><img alt="" src="/financialaid/loans/img/nated.jpg" width="98" height="98" /></p>
<p align="center"><a href="http://borrowers.nationaleducation.com/TruFit/TruFitCO/tabid/642/Default.aspx" target="_blank">National Ed<br />TruFit Student Loan®</a></p>
</td>
<td width="15%">
<div align="center">
<img alt="" src="/financialaid/loans/img/nated.jpg" width="98" height="98" />
<p><a href="https://www.nationaled.net/schools/sm_info.asp " target="_blank">National Ed<br />Smart Option Loan</a></p>
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<td width="15%"><strong>Interest Rate:</strong></td>
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<div align="center">Fixed Rate 6.79% to 7.89%; Variable Rate Index +0 to +2.50%</div>
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<div align="center">Rates as low as 4.13% to 8.89%</div>
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<p align="center">Variable Rate: LIBOR + 2.50% to LIBOR + 9.25%</p>
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<p>Variable 2.25% APR to 9.72% APR; Fixed 5.74% APR to 12.23% APR</p>
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<td width="15%"><strong>Annual Max:</strong></td>
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<div align="center">Cost of education less aid</div>
</td>
<td width="15%">
<div align="center">Cost of education less aid</div>
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<td width="15%" valign="top">
<p align="center">Cost of education less aid</p>
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<p align="center">Cost of education less aid</p>
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<td width="15%"><strong>Aggregate Max:</strong></td>
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<div align="center">$180,000</div>
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<td width="15%">
<div align="center">$250,000</div>
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<p align="center">$225,000</p>
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<td width="15%">
<p align="center">$78,400</p>
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<td width="15%"><strong>Enrollment:</strong></td>
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<div align="center">Full-time</div>
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<td width="15%">
<div align="center">Full-time, half-time, or less than half-time</div>
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<td width="15%" valign="top">
<p align="center">Full-time or half-time</p>
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<td width="15%">
<div align="center">Full-time, half-time or less than half-time</div>
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<td width="15%"><strong>Origination Fee:</strong></td>
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<div align="center">Zero</div>
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<td width="15%">
<div align="center">Zero</div>
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<p align="center">Zero</p>
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<div align="center">Zero</div>
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<td width="15%"><strong>Repayment Begins:</strong></td>
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<div align="center">9 months after graduation/separation</div>
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<td width="15%">
<p align="center">6 months after graduation/separation</p>
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<p align="center">6 months after graduation/separation</p>
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<div align="center">*Interest only payment during the in school and 6 month separation period</div>
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<td width="15%"><strong>Fees at Repayment:</strong></td>
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<div align="center">None</div>
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<td width="15%">
<div align="center">None</div>
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<td width="15%" valign="top">
<p align="center">None</p>
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<td width="15%">
<p align="center">None</p>
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<td width="15%"><strong>Repayment Period:</strong></td>
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<div align="center">20 years</div>
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<td width="15%">
<div align="center">20 years</div>
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<td width="15%" valign="top">
<p align="center">Up to 15 years</p>
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<p align="center">Up to 25 years</p>
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<td width="15%"><strong>Interest Capitalization:</strong></td>
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<div align="center">At repayment</div>
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<div align="center">At repayment</div>
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<p align="center">At repayment</p>
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<p align="center">N/A</p>
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<td width="15%"><strong>Co-signer Required:</strong></td>
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<div align="center">Not required; however, may strongly improve loan terms</div>
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<div align="center">Most students will require a co-signer</div>
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<td width="15%" valign="top">
<p align="center">Most students will require a co-signer</p>
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<td width="15%">
<div align="center">Most students will require a co-signer</div>
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<td width="15%" align="left"><strong>Link to Disclosure Statement:</strong></td>
<td width="15%" align="center"><a href="https://www.discover.com/student-loans/help/download-student-loan-forms.html " target="_blank">Link to Disclosure Statement</a></td>
<td width="15%" align="center"><a href="https://wfefs.wellsfargo.com/terms/AppDisclosureFilter" target="_blank">Link to Disclosure Statement</a></td>
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<div align="center"><a href="https://www.discover.com/student-loans/private-student-loans/index.html ">Apply Online</a></div>
</td>
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<div align="center"><a href="https://www.wellsfargo.com/student/undergrad/med_alter/" target="_blank">Apply Online</a></div>
</td>
<td width="15%" valign="top">
<p align="center"><a href="http://borrowers.nationaleducation.com/TruFit/TruFitCO/tabid/642/Default.aspx" target="_blank">Apply Online</a></p>
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<td width="15%">
<div>
<p align="center"><a href="https://www.nationaled.net/schools/sm_info.asp " target="_blank">Apply Online</a></p>
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<p>Students and parents are ALWAYS allowed to choose their own lender.</p>
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