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FACTS

WHAT DOES benchmark student loan DO WITH YOUR
PERSONAL INFORMATION?

Why?

Auto Loans - Benchmark Community Bank
But we can tell you this: Benchmark will explain all your options and work . The Smart Option Student Loan® is an ideal solution for families that have a gap .
http://www.bcbonline.com/home/financing/auto

What?

How Much Debt Is Too Much?
(Guttentag, 1992). The shortcomings of the 8 percent rule as a justifiable benchmark for manageable student loan payments are apparent: (1) Because the ratios .
http://professionals.collegeboard.com/profdownload/pdf/06-0869.DebtPpr060420.pdf

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

Student Loan Consolidation Comparison
Apr 10, 2005 . In general, for variable-rate Federal student loans, the interest rate is set annually at a benchmark rate plus a margin. Similarly, credit card .
http://www.somacon.com/p146.php

How?

The University of Maine - Student Financial Aid - Opportunity Maine
The benchmark loan payment for 2008 and 2009 was calculated by the Office of Student Financial Aid. ^ The benchmark loan payment was calculated by the .
http://umaine.edu/stuaid/opportunity-maine/

Reasons benchmark student loan can share your personal information
Reasons we can share your personal information Does benchmark student loan share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes -
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes -
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

To limit our sharing

CitiFinancial Student Loans
What are CitiFinancial Student Loans? The CitiFinancial student loans are Citi Group's benchmark student loan services. These loans are offered by one of the .
http://www.simpletuition.com/student/citifinancial_student_loans.html

Please note:

Alternative student loan options - Student Loans | Benchmark ...
Private student loans are meant to fill the gap in financial aid that is left between the Cost of Attendance (COA) and the Federal loans/aid you've received. Private .
http://benchmarkfcu.studentchoice.org/paying-for-college/alternative-student-loan-options/

Federal student loans - Student Loans | Benchmark Federal Credit ...
Offered by the federal government, these low-interest loans are for eligible students to help cover the cost of higher education at a four-year college or university, .
http://benchmarkfcu.studentchoice.org/paying-for-college/federal-student-loans/

Questions?

Benchmark Career Institute | Student Policies
Please contact the Admissions office to discuss specific private loan sources. Student Conduct Benchmark Career Institute does not anticipate student conduct .
http://www.benchmarkcareer.com/studentpolicies.asp

Who we are
Who we are
Who is providing this notice?

News & Cues Newsletter - Benchmark FCU
Does Benchmark offer education loans? Yes… effective February 15, 2012,. Benchmark will offer education loans via the Student Choice Lending Program.
http://www.benchmarkfcu.org/PDF/newscues.pdf

What we do
What we do
How does benchmark student loan protect my personal information?

Should Girlfriend Co-sign Loan? | REALTOR.com® Blogs
Apr 15, 2011 . http://www.thebenchmarklending.info/federal-student-consolidation-loan-2/ Federal Student Consolidation Loan | BENCHMARK LENDING .
http://www.realtor.com/blogs/2011/04/15/should-girlfriend-co-sign-loan/

Logan College of Chiropractic University Programs : Benchmarks for ...
Logan's low student loan default rate is 0.7 percent, considerably better than the national rate of 6.7 percent and the 6.0 percent average for Missouri schools.
http://www.logan.edu/why-logan/benchmarks-for-success

How does benchmark student loan collect my personal information?

We collect your personal information, for example, when you:

  • apply for a loan or open an account
  • pay your bills or file an insurance claim
  • give us your contact information

Personal Finance Standards: Standards with Benchmarks
Benchmarks: An 8th grade student will know: A credit card purchase is a short- term loan while a debit card purchase is a withdrawal from a bank account.
http://www.frbatlanta.org/edresources/assessment/benchmarks.cfm

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes-
    information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

Global Study Abroad - GEMS
Student Borrower, Indian citizen over 18 years old accepted at an eligible institution . Rate, Credila Benchmark Lending Rate (CBLR) + percentage based on underwriting criteria . Payable, By check prior to receiving loan approval letter .
http://www.myglobaled.com/StudentLoan/CredilaIndianStudentLoan.html

What happens when I limit sharing for an account I hold jointly with someone else?

Standard & Poor's
Sep 10, 2011 . Standard & Poor's. 17g-7 Benchmark. U.S. Private Student Loan ABS. SEC Rule 17g-7. SEC Rule 17g-7 requires an. NRSRO, for any report .
http://standardandpoorsdisclosure-17g7.com/227.pdf

Definitions
Definitions
Affiliates

Rare Opportunity- Interest Rate Cuts and Private Student Loans ...
Apr 8, 2008 . However, depending on the benchmark for which your loan rate is based, . (An interesting fact, student loan debt is the only debt that dies with .
http://milkyourmoney.com/2008/04/08/rare-opportunity-interest-rate-cuts-and-private-student-loans/

  • Benchmarks:
    BENCHMARKS: Financial Aid to Students Attending. North Carolina Institutions . . via work and low-interest student loans. Table 2. Remaining need after grant .
    http://www.ncseaa.edu/pdf/Benchmarks_1_31_05_Final.pdf

Nonaffiliates

HIGH HOPES, BIG DEBTS The growth of student loans tends to be ...
Jul 1, 2006 . federal data to find the proportion of student loan borrowers with debt of at least . This is the benchmark developed by Sandy Baum and Saul .
http://projectonstudentdebt.org/files/File/High_Hopes_Big_Debts.pdf

  • Home :: Benchmark Community Bank
    To Benchmark Community Bank . Student Loans . branches and the people who make up the Benchmark team there, select one of the locations to the right.
    http://www.bcbonline.com/

Joint marketing

Home Page | Benchmark Federal Credit Union - Student Choice
Think twice. Borrow ONCE. Achieve your dreams of a higher education—without the high price tag often associated with private student loans. Learn More .
http://benchmarkfcu.studentchoice.org/

Other important information

Student Loan ABS Primer
The SAP benchmarks to the conventional student loan floating rates. If the fixed rate consolidation loan rate is less than the conventional student loan floating .
http://www.ihep.org/assets/files/gcfp-files/Student_Loan_ABS_Primer.pdf

Paying Off Debt - Some Practical Tips From Someone Who Knows
My broad goal is to pay off my student loans from law school. Along the way, I've set mini-benchmarks that I want to achieve. For example, my private and .
http://dsmizzle.hubpages.com/hub/Paying-Off-Debt-Some-Practical-Tips-From-Someone-Who-Knows

Ensuring Student Loan Repayment
Iam pleased to present to you Ensuring Student Loan Repayment: A National . benchmark of institutional performance that has helped screen out schools .
http://www.ifap.ed.gov/eannouncements/attachments/0118nhbook1web.pdf

Law Librarian Blog: Findings from Law Library Benchmarks Survey
6 days ago. from the Class of 2012 | Main | The Scary Side of Student Loan Debt » . Markets' press release for its Law Library Benchmarks, 2012-13 Ed.: .
http://lawprofessors.typepad.com/law_librarian_blog/2012/04/findings-from-law-library-benchmark-study.html

Opportunity Maine » Opportunity Maine Program
Alternatively, businesses that pay employees' student loans as an employee benefit . the tax credit worksheet will provide the “benchmark loan payment,” which .
http://www.opportunitymaine.org/opportunity-maine-program/

Notice to customers with credit-related insurance products

Benchmarks: How do your finances measure up? - MSN Money
Student loan balance. Installment loan balance. Compare. Less than $20000. 20- 29. Enter your numbers. See where you fall compared with your peers and the .
http://articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/Benchmarks.aspx

Villainous Company: A Little Perspective on Student Loan Debt
Apr 1, 2012 . The most commonly referenced benchmark is that a repayment to gross . Overall, the mean ratio of student loan payments to income among .
http://www.villainouscompany.com/vcblog/archives/2012/04/a_little_perspe.html

Special notice for residents of California

Benchmarks | College of Education | Grand Canyon University
Home › College of Education › Program Essentials › Benchmarks . Federal Stafford Direct Grad Plus Loans · Federal Stafford Direct Parent PLUS Loan · Loan .
http://www.gcu.edu/College-of-Education/Program-Essentials/Benchmarks.php

Special notice for residents of Vermont

Student loans 101: The interest rate uproar - KansasCity.com
1 day ago . p><p>Student loans have become a political football in recent weeks, . have higher variable rates that rise and fall with a benchmark rate).
http://www.kansascity.com/2012/05/02/3588713/student-loans-101-the-interest.html

Special notice for residents of Texas

International banking and financial market developments - Mar 2001
prevailed on the US Congress to base the student loan rates on a private rate.10. Benchmark tipping in the bond market? Should one expect the benchmark in .
http://www.bis.org/publ/r_qt0103e.pdf

Pennsylvania's New Performance Management Plan and Benchmark
. Management Plan and Benchmark Report on Current Workforce Programs . Loan forgiveness program to recruit and retain qualified nursing students in .
http://www.portal.state.pa.us/portal/server.pt?open=18&objID=490300&mode=2

mortgage extra payment year† to access a printable version of the benchmark student loan Privacy Notice

Revised: May, 2011

Online Privacy Practices

Passing the benchmark | The Cavalier Daily
Jan 26, 2012 . The two events are even closer than that, however. Both note that debt from student loans has surpassed that from credit cards and point to the .
http://www.cavalierdaily.com/2012/01/26/passing-the-benchmark/

Education Loan Product - :: Credila's Student Loan Web Site ::
This is an Indian Rupee denominated student loan for following students: . Rate of interest will be floating rate of interest linked to Credila's Benchmark Lending .
http://www.credila.com/student_loan_product.html

Shifts in the economy affect interest rates, but precisely how isn't ...
Aug 19, 2011 . Benchmark rates are low now. But the rate you're given on a private student loan today could be considerably higher by the time you graduate.
http://articles.boston.com/2011-08-19/business/29905818_1_prime-rate-benchmark-rates-credit-card-rates

Standard & Poor's
Sep 9, 2011 . Standard & Poor's. 17g-7 Benchmark. U.S. FFELP Student Loan ABS. SEC Rule 17g-7. SEC Rule 17g-7 requires an. NRSRO, for any report .
http://standardandpoorsdisclosure-17g7.com/236.pdf

MassArt Opens Store Featuring Student Artwork « CBS Boston
Apr 17, 2011 . http://www.thebenchmarklending.info/free-student-loan-consolidation-2/ Free Student Loan Consolidation | BENCHMARK LENDING .
http://boston.cbslocal.com/2011/04/17/massart-opens-store-featuring-student-artwork/

Some schools reluctant to disclose tuition
Mar 7, 2010 . The most helpful benchmarks, according to consumer advocates, are . Seven of the schools have some of the highest student-loan default .
http://www.azcentral.com/news/articles/2010/03/07/20100307student-loan-tuition.html

Consumer ABS Market Update
Jun 21, 2011 . While short-dated benchmark assets benefited from overall market . Student. Student. FLOATING. Benchmark. Cards. Loans. Loans. 2-yr .
https://www.tcw.com/News_and_Commentary/Market_Commentary/Insights/~/media/Downloads/Commentary/Fixed%20Income%20Research/Fixed%20Income%20Commentary/MBS_ABS/062111_DFIrsch1332.ashx

Personal Finance Benchmarks for 20 Somethings – Debt ...
May 18, 2010 . Personal Finance Benchmarks for 20 Somethings – Debt. Posted on . 40.9% of 20 somethings in our income range have student loan debt .
http://odysseustoday.wordpress.com/2010/05/18/personal-finance-metrics-for-20somethings/

Last Revised: December, 2010

Finding Financial Benchmarks and Milestones
Dec 20, 2010 . It's not an event like buying a house or paying off student loans or starting a Roth IRA. Instead, it's more of a benchmark, a standard you can .
http://www.getrichslowly.org/blog/2010/12/20/finding-financial-benchmarks-and-milestones/

AACRAO - SEM Newsletter - Improving Financial Aid Impact on ...
With lower Ohio State costs, staff hypothesized that zero unmet need was the right benchmark. Student loans, often demonstrated to be a barrier to enrollment .
http://www2.aacrao.org/sem/index.cfm?fa=view&id=2355

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Maine Revised Statute Title 20-A, Chapter 428-C: JOB CREATION ...
D. For an individual whose student loans exceed the principal cap, a benchmark loan payment must be calculated as described in this paragraph. The State Tax .
http://www.mainelegislature.org/legis/statutes/20-A/title20-Ach428-C.pdf