• 0.25 percentage point interest rate reduction for making payments using automatic debit¹.

• Flexible repayment options are available.
• No payments while you are in school at least half time.
• You can manage your account online 24/7.
• There is no prepayment penalty.
• We have an easy online application and approval process with an instant credit decision.
• Interest may be tax deductible.
• You can align repayment of your Graduate PLUS loans with your Stafford loans.
• Borrowers who are not Graduate PLUS eligible on the basis of their own credit may become Graduate PLUS eligible if they get a creditworthy endorser. The endorser must be a U.S. citizen or national, a U.S. permanent resident, or an eligible non-citizen.

Loan limits

You may borrow up to the full cost of your education, less other aid received.

• Standard repayment: You make both principal and interest payments each month up to a 10-year repayment term. This plan has the lowest total interest cost.
• Graduated repayment: You make reduced payments in the early years of repayment and increased payments thereafter, while still paying off the loans within the maximum 10-year period. With graduated repayment, you have a higher total loan cost than with standard repayment.
• Income-sensitive repayment: Payments are a percentage of your gross income. You must reapply every year for this plan and payments are adjusted annually to reflect changes in income. With income-sensitive repayment, you have a higher total loan cost than with standard repayment.
• Extended repayment: If you have a high amount of student loan debt, you may be eligible for up to a 25-year repayment term and the choice of standard or graduated payments to keep payments affordable. With extended repayment, you have a higher total loan cost than with standard repayment.

• You are responsible for all interest that accrues on the Graduate PLUS loan. Unpaid interest will be capitalized (added to the loan principal) and you will therefore pay interest on a higher amount.
• Repayment on PLUS loans begins within 60 days after the final disbursement of the loan. Graduate PLUS loans, for borrowers who are certified by their school to be attending at least half time, will be placed into in-school deferment. No payments are required during in-school deferment.
• Fifth Third reserves the right to modify or discontinue loan programs at any time without notice.

¹ Borrowers who authorize the automatic debit of funds from their checking or savings account to cover their monthly education loan payments will receive an interest rate reduction of 0.25 percentage point on eligible Parent PLUS Loans. Assuming the loan is serviced by Sallie Mae, this benefit remains available during active repayment for as long as the borrower's monthly payment is successfully deducted from the borrower's account. If the loan is not serviced by Sallie Mae, other restrictions may apply as determined by the U.S. Department of Education.
FIFTH THIRD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PROGRAMS AND BORROWER BENEFITS AT ANY TIME WITHOUT NOTICE. APPLICANTS SHOULD CHECK THE FIFTH THIRD WEB SITE CLOSE TO THEIR LOAN DISBURSEMENT DATE TO OBTAIN THE MOST UP-TO-DATE INFORMATION REGARDING LOAN PROGRAMS, INCLUDING BORROWER BENEFITS.
Subject to the above, borrower benefits are effective for Parent PLUS Loans guaranteed June 9, 2008 through June 30, 2009.
Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. Member FDIC. All loans subject to credit review and approval. Upromise Loan Link and the Upromise logo are service marks or registered service marks of Upromise, Inc. Sallie Mae is a registered service mark and Manage Your Loans is a service mark of Sallie Mae, Inc. SLM Corporation and its subsidiaries, including Sallie Mae, Inc., are not sponsored by or agencies of the United States of America. ©2009 by Sallie Mae, Inc. All Rights Reserved.