During the application process, Sallie Mae will review each applicant's credit history and FICO score. In addition to generally accepted FICO ranges indicating good credit, to meet Sallie Mae's credit requirements for the Tuition Answer Loan, creditworthy borrowers or cosigners must:

• Be at least 18 years old or apply with a creditworthy adult cosigner.
• Be a U.S. citizen or permanent resident.
• Have a Social Security number.
• Have an established history of making on time payments.
• Have no major derogatory items on their credit report.
• Have no history of bankruptcy or student loan default.

Many undergraduate students will not meet minimum credit requirements and are encouraged to apply with an eligible cosigner who does. A cosigner can be a parent or any other eligible adult sponsor—such as another relative or spouse.

For more information on creditworthiness and FICO scores, visit www.myfico.com/CreditEducation.