The rates below are examples only. Fixed interest rates range from
4.75% (a
4.749%^{2} APR) to
11.25% (a
10.414%^{3} APR) and variable interest rates range from
3.24% (a
3.239%^{4} APR) to
9.24% (a
8.671%^{5} APR), all depending on your and/or your cosigner's credit histories, the repayment option selected, the repayment term selected and loan amount. |

Examples include:

- Custom Choice Fixed Rate Loan - Immediate Repayment
- Custom Choice Fixed Rate Loan - Partial Interest Payment
^{6} - Custom Choice Variable Rate Loan - Immediate Repayment
- Custom Choice Variable Rate Loan - Partial Interest Repayment
^{6}

Lowest Rate | Highest Rate | |
---|---|---|

Loan Amount | $10,000 | $10,000 |

Origination Fee | 0.00% | 0.00% |

Fixed Interest RateAPR |
7.06%
7.06%^{7} |
10.53%
10.53%^{8} |

Deferment Period | 3 months | 3 months |

Monthly Payment | $91.01 | $112.18 |

Repayment Period* | 15 years (180 months) | 15 years (180 months) |

Total of Payments Over Life of Loan | $16,382.73 |
$20,191.87 |

($25 per month while in school)

Lowest Rate | Highest Rate | |
---|---|---|

Loan Amount | $10,000 | $10,000 |

Origination Fee | 0.00% | 0.00% |

Fixed Interest RateAPR |
7.35% 7.126% ^{10} |
11.22%10.577%^{11} |

Deferment Period^{9} |
51 months (includes six month grace period) |
51 months (includes six month grace period) |

Monthly Payment | $108.00 | $153.65 |

Repayment Period* | 15 years (180 months) | 15 years (180 months) |

Total of Payments Over Life of Loan | $20,715.94 |
$28,933.35 |

Lowest Rate | Highest Rate | |
---|---|---|

Loan Amount | $10,000 | $10,000 |

Variable Interest Rate (1-month LIBOR ^{12} + Margin)APR |
4.88% (1-month LIBOR + 4.63%) 4.879%^{13} |
8.35%
(1-month LIBOR + 8.10% 8.348%^{14} |

Deferment Period | 3 months | 3 months |

Monthly Payment^{15} |
$78.93 | $98.61 |

Repayment Period* | 15 years (180 months) | 15 years (180 months) |

Total of Payments Over Life of Loan | $14,208.08 |
$17,750.78 |

($25 per month while in school)

Lowest Rate | Highest Rate | |
---|---|---|

Loan Amount | $10,000 | $10,000 |

Variable Interest Rate (1-month LIBOR ^{12} + Margin)APR |
5.05%
(1-month LIBOR + 4.80%) 4.978%^{16} |
9.08% (1-month LIBOR + 8.83% 8.693%^{17} |

Deferment Period | 51 months (includes six month grace period) |
51 months (includes six month grace period) |

Monthly Payment^{15} |
$85.74 | $127.10 |

Repayment Period* | 15 years (180 months) | 15 years (180 months) |

Total of Payments Over Life of Loan | $16,708.70 |
$24,153.20 |

^{*}** Repayment periods are 7, 10, and 15 years (15 year terms are only available for loans of $5,000 or more).**

^{1}** The amounts in this chart are examples only. Your specific
repayment schedule will be based on your specific loan amount, repayment option,
repayment term, and for variable rate loans, on the current variable rate in
effect each month during the life of the loan.**

^{2} This APR assumes a $10,000 loan disbursed over two transactions
and an immediate repayment option and is based on a 7-year repayment term
(84 months), a monthly principal and interest payment of $141.00 (there is a
minimum monthly payment of $50), and a 4.75% interest rate (in effect as of
09/01/14). Interest rates are based on the borrower's and/or cosigner's credit
histories, the repayment option selected, the repayment term selected and
loan amount.

^{3} This APR assumes a $10,000 loan disbursed over two transactions
and a deferred repayment option and is based on a 15-year repayment term
(180 months), a 45-month deferment period upon initial disbursement, a six
month grace period before entering repayment, a monthly principal and interest
payment of $168.74
(during repayment there is a minimum monthly payment of $50)
and a 11.25%
interest rate (in effect as of 09/01/14). Interest rates are based
on the borrower's and/or cosigner's credit histories, the repayment option
selected, the repayment term selected and loan amount.

^{4} This APR example assumes a $10,000 loan disbursed over two
transactions and an immediate repayment option and is based on a 7-year repayment
term (84 months), a monthly principal and interest payment of $133.76
(there is a minimum monthly payment of $50), and a
2.99% margin
(in effect as of 09/01/14). Interest rates are based on the borrower's
and/or cosigner's credit histories, the repayment option selected, the
repayment term selected and loan amount.

^{5} This APR assumes a $10,000 loan disbursed over two transactions
and a deferred repayment option and is based on a 15-year repayment
term (180 months), a 45-month deferment period upon initial disbursement,
a six month grace period before entering repayment, a monthly principal
and interest payment of $142.09 (during repayment there is a minimum
monthly payment of $50), and a 8.99% margin (in effect as of
09/01/14).
Interest rates are based on borrower's and/or cosigner's credit
histories, the repayment option selected, the repayment term
selected and the loan amount.

^{6} The partial interest repayment plan is available on
loans of $5,000 or more. Making interest only payments while in
school will not reduce the balance on the loan. Any unpaid interest will
be capitalized (added to your principal loan balance) when
repayment of principal and interest begins.

^{7} This APR example assumes a $10,000 fixed rate loan
made in two disbursements with immediate repayment, a monthly
principal and interest payment of $91.01 (there is a minimum
monthly payment of $50), a 15-year repayment term (180 months),
and a
7.06%
interest rate (in effect as of
09/01/14). With a
15-year repayment term, current interest rates can range from
7.06% to
11.25% depending on the borrower's and/or cosigner's
credit histories and the repayment option selected. If other
repayment terms and options are selected, interest rates may
range from
4.75% up to
11.25%. Other repayment options include
interest-only, partial interest payment, and full deferment.
Repayment terms and options may vary depending upon the
amount borrowed.

^{8} This APR example assumes a $10,000 fixed
rate loan made in two disbursements with immediate
repayment, a monthly principal and interest payment of
$112.18 (there is a minimum monthly payment of $50), a
15-year repayment term (180 months), and a
10.53% interest
rate (in effect as of 09/01/14). With a 15-year repayment
term, current interest rates can range from
7.06% to
11.25%
depending on the borrower's and/or cosigner's
credit histories and the repayment option selected. If
other repayment terms and options are selected, interest
rates may range from
4.75% up to
11.25%. Other repayment
options include interest-only, partial interest payment,
and full deferment. Repayment terms and options may vary
depending upon the amount borrowed.

^{9} Any accrued and unpaid interest will be
capitalized (added to your principal loan balance) when
repayment of principal and interest begins.

^{10} This APR example assumes a $10,000
fixed rate loan made in two disbursements with partial
interest payments of $25 while in school, a monthly
principal and interest payment of $108.00 (during
repayment there is a minimum monthly payment of $50),
a 15-year repayment term (180 months), and a 7.35%
interest rate (in effect as of 09/01/14). With a 15-year
repayment term, current interest rates can range from
7.06% to
11.25% depending on the borrower's and/or
cosigner's credit histories and the repayment option
selected. If other repayment terms and options are
selected, interest rates may range from
4.75% up to
11.25%. Other repayment options include immediate
repayment, interest-only, and full deferment.
Repayment terms and options may vary depending
upon the amount borrowed.

^{11} This APR example assumes a
$10,000 fixed rate loan made in two disbursements
with partial interest payments of $25 while in
school, a monthly principal and interest payment
of
$153.65 (during repayment there is a minimum
monthly payment of $50), a 15-year repayment term
(180 months), and a
11.22%
interest rate (in effect
as of 09/01/14). With a 15-year repayment term,
current interest rates can range from
7.06% to
11.25% depending on the borrower's and/or cosigner's
credit histories and the repayment option selected.
If other repayment terms and options are selected,
interest rates may range from
4.75% up to
11.25%.
Other repayment options include interest-only,
partial interest payment, and full deferment.
Repayment terms and options may vary depending
upon the amount borrowed.

^{12} The variable interest rates used
in these examples are based on the One-month
LIBOR rate effective on 09/01/14 plus
the low and high margins indicated. Interest
rates are variable and these repayment
examples may not reflect your specific
interest rate. LIBOR stands for London
Interbank Offered Rate. The One-month
LIBOR is the Current Index, as published
in the "Money Rates" section of *The
Wall Street Journal* (Eastern Edition).
Your variable interest rate and Annual
Percentage Rate (APR) may be higher depending
upon your and/or your cosigner's credit
histories, the repayment option selected,
and the repayment term selected, and will
increase or decrease monthly when the One-month
LIBOR index changes. Your variable interest
rate is calculated by adding the current
One-month LIBOR index (captured on the
25th day of each month, or the next business
day thereafter, of the month immediately
preceding such calendar month and rounded
up to the nearest 1/8th of one percent)
to your margin. The current One-month
LIBOR index is 0.25% as of 09/01/14.

^{13} This APR example assumes a
$10,000 variable rate loan made in two
disbursements with immediate repayment,
a monthly principal and interest payment
of $78.93 (there is a minimum monthly
payment of $50), a 15-year repayment
term (180 months), and a 4.63% margin
(in effect as of 09/01/14). With
a 15-year repayment term, current
variable interest rates can range
from One-month LIBOR +
4.63% to
One-month LIBOR +
8.99% depending
on the borrower's and/or cosigner's
credit histories and the repayment
option selected. If other repayment
terms and options are selected, interest
rates may range from One-month LIBOR +
2.99% to One-month LIBOR +
8.99%. Other
repayment options include partial interest
payment, interest-only, and full deferment.
Repayment terms and options may vary
depending upon the amount borrowed.

^{14} This APR example assumes a
$10,000 variable rate loan made in two
disbursements with immediate repayment, a
monthly principal and interest payment of
$98.61 (there is a minimum monthly payment
of $50), a 15-year repayment term (180
months), and a
8.10% margin (in effect
as of
09/01/14). With a 15-year repayment
term, current variable interest rates
can range from One-month LIBOR +
4.63%
to One-month LIBOR +
8.99% depending on
the borrower's and/or cosigner's credit
histories and the repayment option selected.
If other repayment terms and options are
selected, interest rates may range from
One-month LIBOR +
2.99% to One-month LIBOR +
8.99%.
Other repayment options include partial interest
payment, interest-only, and full deferment.
Repayment terms and options may vary depending
upon the amount borrowed.

^{15} The monthly payment amount
shown will increase or decrease when the
One-month LIBOR index increases or decreases.
The Custom Choice Loan requires a minimum
monthly payment of $50, which may shorten
your loan term. The standard repayment
term is 180 months.

^{16} This APR example assumes a
$10,000 variable rate loan made in two
disbursements with partial interest
payment of $25 during school, a monthly
principal and interest payment of
$85.74
(during repayment there is a minimum
monthly payment of $50), a 15-year repayment
term (180 months), and a
4.80% margin
(in effect as of
09/01/14). With a 15-year
repayment term, current variable interest
rates can range from One-month LIBOR +
4.63%
to One-month LIBOR +
8.99% depending on the
borrower's and/or cosigner's credit histories
and the repayment option selected. If other
repayment terms and options are selected,
interest rates may range from One-month LIBOR +
2.99% to
One-month LIBOR +
8.99%. Other repayment options
include immediate repayment, interest-only, and
full deferment. Repayment terms and options
may vary depending upon the amount borrowed.

^{17} This APR example assumes a $10,000
loan variable rate made in two disbursements with
partial interest payment of $25 during school, a
monthly principal and interest payment of
$127.10
(during repayment there is a minimum monthly
payment of $50), a 15-year repayment term
(180 months), and a
8.83% margin (in effect
as of
09/01/14). With a 15-year repayment
term, current variable interest rates can
range from One-month LIBOR +
4.63% to
One-month LIBOR +
8.99% depending on the
borrower's and/or cosigner's credit
histories and the repayment option selected.
If other repayment terms and options are
selected, interest rates may range from
One-month LIBOR +
2.99% to One-month
LIBOR +
8.99%. Other repayment options
include immediate repayment, interest-only,
and full deferment. Repayment terms and
options may vary depending upon the
amount borrowed.

Certain restrictions and limitations may apply. SunTrust reserves the right to change or discontinue these benefits without notice. This loan program is subject to approval and may not be available in all jurisdictions.