Fillable Wells-fargo-app-disclosure-consolidation Wells Fargo Private ConsolidationSM Loan Application And Solicitation Disclosure (Jackson State Community College)

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Understand your interest rate options
Wells Fargo offers you the choice of variable and fixed interest rates.
Each option has unique advantages to consider before choosing your rate.
How are they different?
Variable interest rates
Generally provide a lower initial rate than fixed rates
The interest rate may increase or decrease over the life of the loan
Monthly payments may increase or decrease over the life of the loan
•
•
•
•
•
•
Fixed interest rates
The interest rate remains the same over the life of the loan
Allow you to better predict how much total interest you’ll pay on your loan
Monthly payments will remain the same over the life of the loan
Included are two Application Disclosures; one for the variable interest rate and one for the
fixed interest rate. The Application Disclosures will help you understand the terms of the loan
program and the cost of taking the loan.
Please review the pages carefully before choosing your interest rate.
Loans subject to qualification
Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A. All rights reserved.
© 2014 Wells Fargo Bank, N.A. Equal Opportunity Lender. Rev. (05-2014)
Page of
1
6
This page has been deliberately left blank.
Page of
2
6
Wells Fargo Private Consolidation
SM
Loan Application and Solicitation Disclosure
Education Financial Services
P.O. Box 5185
Sioux Falls, SD 57117-5185
1-800-658-3567
FAX: 1-800-456-0561
Loan Interest Rate & Fees
Your starting interest rate will be between
%
and
%
After the starting rate is set, your rate will then vary
with the market.
Your Starting Interest Rate (upon approval)
The starting interest rate you pay will be determined after you
apply. It will be based upon your credit history and other factors,
including cosigner credit and your/cosigner's relationship with
the Bank. If approved, we will notify you of the rate you qualify
for within the stated range.
Your Interest Rate during the life of the loan.
Your rate is variable. This means that your rate could move
lower or higher than the rates on this form. The variable rate is
based upon the Prime Rate (a publicly available interest rate we
use to set the variable rate). For more information on this rate,
see the reference notes.
Although your rate will vary, it will never exceed (the
maximum allowable for this loan).
Loan Fees
Application Fee: $ Origination Fee: The fee that we charge to make this loan is %.
Loan Guarantee Fee: % Repayment Fee: % Late Charge: $ Returned check charge: $
Loan Cost Example
The total amount you will pay for this loan will depend on the actual amount required to payoff the loans you select for
consolidation. These examples provide estimates based upon two (2) different repayment terms that may potentially be
available to you, depending on credit history and Total Loan Amount.
Repayment Option
Amount Provided
(amount paid to
others on your
behalf)
Interest Rate
(highest
starting
possible rate)
Loan Term
(how long you have
to pay off the loan)
Total Paid over
years
(includes
associated fees)
MAKE FULL PAYMENTS
Pay both the principal and interest
$ %
years
starting after your
first payment
$
About this example
The repayment example is based on a $ loan with a year repayment term. It is based on the highest
starting rate currently charged and associated fees.
Repayment Option
Amount Provided
(amount paid to
others on your
behalf)
Interest Rate
(highest
starting
possible rate)
Loan Term
(how long you have
to pay off the loan)
Total Paid over
years
(includes
associated fees)
MAKE FULL PAYMENTS
Pay both the principal and interest
$ %
years
starting after your
first payment
$
About this example
The repayment example is based on a $ loan with a year repayment term. It is based on the highest
starting rate currently charged and associated fees.
Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A.
© 2014 Wells Fargo Bank, N.A. Equal Opportunity Lender Rev. (05-2014)
See reverse side for important information
Page of
3.74
8.49
18%
0.00
0.00
0.00
28.00
0.00
15
50,000.00
8.49
15
88,574.40
50,000
15
20
50,000.00
8.49
20
104,064.00
50,000
20
3
6
Next Steps
To Apply For This Loan, Complete the Application
If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period,
except as permitted by law and the variable rate may change based on the market).
Reference Notes
Variable Interest Rate
This loan has a variable interest rate, that is based on a publicly available index, the Prime Rate. Your rate will be
calculated each month by adding a margin between % and % to the Prime Rate. The Index (which
is equal to the Prime Rate) is subject to a contractual minimum of %.
The rate will not increase more than once a month and will never exceed % (the maximum allowable for
this loan).
Wells Fargo Relationship Discount - The Wells Fargo Relationship Discount will apply for the life of the loan if the
borrower or any cosigner has a Qualified Relationship with the Bank at any time between the application and
issuance of the Final Disclosure. Please ask the Bank about what constitutes a "Qualified Relationship" if you have
any questions about this feature. Further Relationship Discount details are set forth in the Loan Request/Consumer
Credit Agreement.
Eligibility Criteria
Borrower:
Must be a U.S. citizen or a permanent resident alien without conditions and with proper evidence of eligibility. For
permanent resident aliens, a U.S. citizen cosigner is required.
Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states
except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority for Puerto Rico is 21.
Cosigner:
Most borrowers will need a cosigner for this loan to meet credit and debt to income requirements. Rates are
typically higher without a cosigner; however cosigners are not required for qualifying borrowers.
Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states
except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority for Puerto Rico is 21.
Cosigner Release
A cosigner may be released from the loan if the borrower is a U.S. Citizen and requests release of the cosigner after
the first 24 consecutive monthly payments are made on time, no forbearances/modifications were granted for
hardship reasons during those 24 months, and the borrower meets a full credit evaluation at the time of the request.
Other Important Information
Loan amounts of up to $ depending on credit history and debt to income.
Repayment term of or years depending on credit history and Total Loan Amount.
Tangible Benefit
To be approved, a private consolidation application must provide the borrower 1) a monthly payment amount
reduction of at least $ , or 2) an interest rate reduction of at least %, or 3) moving from Variable
to Fixed interest rate. For more details, please contact us at 1-800-658-3567.
Bankruptcy Limitations
If you file for bankruptcy you may still be required to repay this loan.
More information about loan eligibility and repayment deferral options will be available in your Loan Request/
Consumer Credit Agreement.
Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A.
© 2014 Wells Fargo Bank, N.A. Equal Opportunity Lender Rev. (05-2014)
Page of
120,000
15
20
.
0.49
5.24
3.25
18
4
6
50
0.25
Wells Fargo Private Consolidation
SM
Loan Application and Solicitation Disclosure
Education Financial Services
P.O. Box 5185
Sioux Falls, SD 57117-5185
1-800-658-3567
FAX: 1-800-456-0561
Loan Interest Rate & Fees
Your interest rate will be between
%
and
%
After the rate is set, it will be fixed for the entire term
of the loan.
Your Interest Rate (upon approval)
The interest rate you pay will be determined after you apply. It
will be based upon your credit history and other factors,
including cosigner credit and your/cosigner's relationship with
the Bank. If approved, we will notify you of the rate you qualify
for within the stated range.
Your Interest Rate during the life of the loan.
Your rate is fixed. This means that your interest rate will never
change during the life of your loan. For more information on this
rate, see the Reference Notes.
Your rate will not change after you are approved.
Loan Fees
Application Fee: $ Origination Fee: The fee that we charge to make this loan is %.
Loan Guarantee Fee: % Repayment Fee: % Late Charge: $ Returned check charge: $
Loan Cost Example
The total amount you will pay for this loan will depend on the actual amount required to payoff the loans you select for
consolidation. These examples provide estimates based upon two (2) different repayment terms that may potentially be
available to you, depending on credit history and Total Loan Amount.
Repayment Option
Amount Provided
(amount paid to
others on your
behalf)
Interest Rate
(highest
starting
possible rate)
Loan Term
(how long you have
to pay off the loan)
Total Paid over
years
(includes
associated fees)
MAKE FULL PAYMENTS
Pay both the principal and interest
$ %
years
starting after your
first payment
$
About this example
The repayment example is based on a $ loan with a year repayment term. It is based on the highest
starting rate currently charged and associated fees.
Repayment Option
Amount Provided
(amount paid to
others on your
behalf)
Interest Rate
(highest
starting
possible rate)
Loan Term
(how long you have
to pay off the loan)
Total Paid over
years
(includes
associated fees)
MAKE FULL PAYMENTS
Pay both the principal and interest
$ %
years
starting after your
first payment
$
About this example
The repayment example is based on a $ loan with a year repayment term. It is based on the highest
starting rate currently charged and associated fees.
Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A.
© 2014 Wells Fargo Bank, N.A. Equal Opportunity Lender Rev. (05-2014)
See reverse side for important information
Page of
6.99
11.79
0.00
0.00
0.00
0.00
28.00
0.00
15
50,000.00
11.79
15
106,803.00
50,000
15
20
50,000.00
11.79
20
130,377.60
50,000
20
5
6
Next Steps
To Apply For This Loan, Complete the Application
If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period,
except as permitted by law).
Reference Notes
Fixed Interest Rate
Wells Fargo Relationship Discount - The Wells Fargo Relationship Discount will apply for the life of the loan if the
borrower or any cosigner has a Qualified Relationship with the Bank at any time between the application and
issuance of the Final Disclosure. Please ask the Bank about what constitutes a "Qualified Relationship" if you have
any questions about this feature. Further Relationship Discount details are set forth in the Loan Request/Consumer
Credit Agreement.
Eligibility Criteria
Borrower:
Must be a U.S. citizen or a permanent resident alien without conditions and with proper evidence of eligibility. For
permanent resident aliens, a U.S. citizen cosigner is required.
Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states
except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority for Puerto Rico is 21.
Cosigner:
Most borrowers will need a cosigner for this loan to meet credit and debt to income requirements. Rates are
typically higher without a cosigner; however cosigners are not required for qualifying borrowers.
Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states
except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority for Puerto Rico is 21.
Cosigner Release
A cosigner may be released from the loan if the borrower is a U.S. Citizen and requests release of the cosigner after
the first 24 consecutive monthly payments are made on time, no forbearances/modifications were granted for
hardship reasons during those 24 months, and the borrower meets a full credit evaluation at the time of the request.
Other Important Information
Loan amounts of up to $ depending on credit history and debt to income.
Repayment term of or years depending on credit history and Total Loan Amount.
Tangible Benefit
To be approved, a private consolidation application must provide the borrower 1) a monthly payment amount
reduction of at least $ , or 2) an interest rate reduction of at least %, or 3) moving from Variable
to Fixed interest rate. For more details, please contact us at 1-800-658-3567.
Bankruptcy Limitations
If you file for bankruptcy you may still be required to repay this loan.
More information about loan eligibility and repayment deferral options will be available in your Loan Request/
Consumer Credit Agreement.
Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A.
© 2014 Wells Fargo Bank, N.A. Equal Opportunity Lender Rev. (05-2014) Page of
.
120,000
15
20
6
6
50
0.25
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