Teach for Virginia^®

Terms and conditions apply. Sallie Mae reserves the right to modify, continue or discontinue borrower benefit programs at any time without notice.

The 10 percent cash back benefit is awarded in two installments. The first benefit installment you may receive on your eligible loans will vary based on the lender you select. For students borrowing from all participating lenders except AMS, to qualify for the first installment (3.3%): (1) before entering repayment, the borrower signs up on Manage Your Loans at www.salliemae.com/manage to receive Sallie Mae account information by email and (2) the borrower makes the first 33 payments by the due dates as initially scheduled.

For students borrowing from AMS, to qualify for the first installment (Graduation Bonus consisting of 3 percent cash back (provided in two equal installments) and an interest credit on the first year of the first unsubsidized Stafford loan): (1) provide proof of graduation; (2) enter repayment for the first 1.5 percent and (3) the borrower makes the first 12 payments by the due dates as initially scheduled for the second 1.5 percent. Additionally, AMS borrowers who sign up on Manage Your Loans at www.salliemae.com/manage before entering repayment to receive account information via email will receive a half-point interest rate reduction during active periods of repayment after making the first 36 payments by the due dates as initially scheduled. This interest rate reduction will remain in place as long as the borrower continues to pay according to the initial schedule.

• For all borrowers, to qualify for the second installment (6.7%): (1) the borrower makes the first 36 monthly payments and (2) after receiving the qualifying Stafford loan and within five years after the initial repayment begin date of the qualifying Stafford loan, receive a valid Virginia teaching certificate and teach full time for at least 36 months in one or more state-approved public or private K-12 schools located in Virginia. Certification of borrower eligibility is required. The 10 percent cash back benefit, awarded as a loan credit or check, is based on the original principal balance of Stafford loans obtained to attend a school located in Virginia and first disbursed on or after July 1, 2005 and through June 30, 2006 with a participating Sallie Mae lender partner. Loans must be owned and serviced by Sallie Mae throughout repayment.

Care for Virginia^®

Terms and conditions apply. Sallie Mae reserves the right to modify, continue or discontinue borrower benefits programs at any time without notice.

The 10 percent cash back benefit is awarded in two installments. The first benefit installment you may receive on your eligible loans will vary based on the lender you select. For students borrowing from all participating lenders except AMS, to qualify for the first installment (3.3%): (1) before entering repayment, the borrower signs up on Manage Your Loans at www.salliemae.com/manage to receive Sallie Mae account information by email and (2) the borrower makes the first 33 payments by the due dates as initially scheduled.

For students borrowing from AMS, to qualify for the first installment (Graduation Bonus consisting of 3 percent cash back (provided in two equal installments) and an interest credit on the first year of the first unsubsidized Stafford loan): (1) provide proof of graduation; (2) enter repayment for the first 1.5 percent and (3) the borrower makes the first 12 payments by the due dates as initially scheduled for the second 1.5 percent. Additionally, AMS, borrowers who sign up on Manage Your Loans at www.salliemae.com/manage before entering repayment to receive account information via email will receive a half-point interest rate reduction during active periods of repayment after making the first 36 payments by the due dates as initially scheduled. This interest rate reduction will remain in place as long as the borrower continues to pay according to the initial schedule.

• For all borrowers, to qualify for the second installment (6.7%): (1) the borrower makes the first 36 monthly payments and (2) after receiving the qualifying Stafford loan and within five years after the initial repayment begin date on the qualifying Stafford loan, be licensed in Virginia as an LPN, RN or RN Advanced Practice Nurse and work full time for at least 36 months as a Nurse or Nurse Administrator at an eligible healthcare facility or program in Virginia. Certification of borrower eligibility is required. Eligible programs and facilities include, but are not limited to, hospitals, clinics, doctors' offices, school nurse programs, public health programs, the Red Cross, hospice programs, nursing homes, or healthcare agencies providing home healthcare, that require a nursing license of LPN, RN, or an RN Advanced Practice Certification. The 10 percent cash back benefit, awarded as a loan credit or check, is based on the original principal balance of Stafford loans obtained to attend a school located in Virginia and first disbursed on or after July 1, 2005 and through June 30, 2006 with a participating Sallie Mae lender partner. Loans must be owned and serviced by Sallie Mae throughout repayment. Borrowers who earn a masters or doctoral degree in nursing will also be eligible for this benefit program in two installments upon meeting the aforementioned email and payment requirements, completing an approved master or doctoral program and providing certification within five years after entering repayment of 36 months employment in a full-time administrative or instructional capacity for an approved nursing diploma program or for a two- or four-year public or private institution of higher education in Virginia.