An investment in your future.
The Academic Development Loan (ADL) provides:
• Affordable education financing solutions
• Instant pre-approval; fund a higher education within minutes!
• No financial aid forms; no deadlines
• Low monthly payments

Announcing NEW borrower benefits…
ADL Auto-Payments Discount
Make your monthly loan payments using Automated Clearing House (ACH), and we will give you a special 0.25% interest rate reduction for the term of your loan as long as you continue making payments using ACH¹.

ADL Rate Reward
Make your first 48 consecutive monthly loan payments by the payment due date, and we will reward you by giving you a special 0.75% interest rate reduction for the remaining term of your loan¹.

ADL Co-Borrower Release
Make your first 48 consecutive monthly loan payments by the payment due date, and we will release from obligation the non-student co-borrower for the remaining term of your loan. (Other conditions apply.²)

To apply, simply log on to:
www.loantolearn.com/AFC
Instant Web Pre-approval

Or call our Education Loan Specialists at:
1-888-APPLY-58
1-888-277-5958
Instant Phone Pre-approval

Offered by AFC in Cooperation with EduCap.
AFC is a marketing agent for the originating lender.

1- Loans with first disbursements on or after 4/8/05 are eligible for this interest rate reduction offer. Interest rate reductions will terminate if you make any late payments, or otherwise default on the terms of your loan.
2 - Loans with a student applicant and a co-borrower with first disbursements on or after 4/8/05 are eligible for this release from obligation offer. At the time of request of release from obligation, the student applicant must present qualifying Proof of Income (POI) documents and meet then-current creditworthiness guidelines.