The University of Kansas utilizes the following list of lenders to process loans for Graduate/Professional/Law students. When choosing your lender, you should compare the fees and borrower benefits listed in the chart below (subject to change). We encourage students to research which lender best suits their needs. You may visit the websites listed below for additional information.

Lender Contact Information	Federal Default Fee	Origination Fee	Total Fees	Borrower Benefits
Federal Direct Loans www.ed.gov (800)848-0979	n/a	2% (less 1.5% at disbursement)	0.50%	.25% interest rate reduction for auto-debit; 1.5% loan fee rebate at disbursement; Income contingent repayment plan option
Access Group www.accessgroup.org (800)282-1550 Lender Code: 808851	0%	1.5% until 6/30/08 1.0% 7/1/08-6/30/09	1.5% until 6/30/08 1.0% 7/1/08-6/30/09	.25% interest rate reduction for auto-debit
Bank of America www.bankofamerica.com (800) 344-8382 Lender Code: 824421	0%	0% until 5/31/08 1.5% 6/1/08-06/30/08 1.0% 7/1/08-06/30/09	0% until 5/31/08 1.5% 6/1/08-06/30/08 1.0% 7/1/08-06/30/09	.25% interest rate reduction for all Bank of America deposit account (checking/savings) customers; auto-debit is not required. Once the interest rate reduction is applied, it is never removed.
U.S. Bank www.usbank.com/student loans (785)865-0278 or (800)242-1200, ext 0278 Lender Code: 804609	0%	0% until 5/31/08 1.5% 6/1/08-06/30/08 1.0% 7/1/08-06/30/09	0% until 5/31/08 1.5% 6/1/08-06/30/08 1.0% 7/1/08-06/30/09	1% credit of the original principal amount after the first twelve (12) consecutive monthly on-time payments.

New Stafford Loan borrowers and continuing borrowers who have changed lenders are required to complete a Master Promissory Note (MPN) with their lender. The Master Promissory Note is a legal, binding contract of your promise to repay the loan according to the terms listed on the note.

You are not required to choose a lender from the above list. If you choose a lender that is not on the above list, please submit a written request to the OSFA, including your full name, email address, 7-digit KUID, the 6-digit lender ID code, and the full name and address of the lender. Please click here to learn more about how we chose the lenders for this Stafford Loan List.