SayLending.com

They grow up fast.
Only yesterday, it seems, they were learning to read. Now they will be packing the car for college. It's an exciting time for them. But for you, it's all about cost?

·  tuition and fees
·  books and lab fees
·  monthly housing and food
·  recreation
·  transportation
·  trip home for the holidays

We have a solution.
Use the equity in your home to pay college expenses as they occur. And while you're at it:

·  fix up the room that is now empty
·  consolidate some bills
·  finance the car your child will use
·  you decide: ________________

Product Benefits

• open a line of credit up to your approved LTV level — calculate how much you can borrow
  
  
• access your account as you need . . . when you need
  
  
• pay minimum monthly payments or any additional amount when you have extra cash:
  
  

or use the bank equity program making payments

• pay down the account to zero with no prepayment charges and resuse the line over again up to your approved available balance
  
  
• deduct interest charges from your taxes if you qualify
  
  
• get competitive adjustable rates as low as the PRIME RATE — see our rate page for information
  
  
• benefits may vary by lending institution: view our summary notes of product features and terms

How You Might Use Your "College Educator"

click to print the home equity comparison sheet to shop lenders

1. Start with an approved home equity line of credit account
   
   from a lending institution (we can help find your lender)
   
   
• view how the bank equity program can be used as your college funding source: view demo
  
  
  
2. Access and transfer an advance
   from your equity line account to your child's personal pre-paid credit card (budget controlled by the amount you load to the card):
   
   see an example how the pre-paid card can be used
   
   
   
3. Have your student use the pre-paid card
   to pay for school expenses such as:
   
   

   ·	tuition
   ·	books and supplies
   ·	class fees
   ·	travel and transportation
   ·	living and all other expenses

   
   
4. Your student can use the card to:
   
   

   ·	withdrawal funds from any ATM machine
   ·	make retail purchases at any merchant that accepts Visa® or MasterCard ®
   ·	transact online purchases with fraud protection
   ·	the amount on the card is limited by the amount loaded to the card
   ·	daily transactions and monthly statements are available online so that you can monitor your student's financial activity

   
   apply now for your personal pre-paid card (approval guaranteed)
   
   
   
5. When your student graduates
   you can simply close the credit line account and convert any existing borrowed amount over to a fixed-rate home equity loan at a specified repayment term
   

   or turn it over to a banker credit line to payoff the education expense and manage your money.