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 (due at the start of college)
·  books and lab fees (at beginning of each class)
·  monthly housing and food (monthly or annually)
·  recreation (as needed)
·  transportation (as needed)
·  trip home for the holidays (coming up)

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 be using
·  you decide: ________________

Using your home equity as a "College Educator" lets you finance college expenses and other projects as they occur. Instead of borrowing the full amount for college, simply use your "home equity line of credit" to advance the funds you need.

You will pay interest only on the amount you borrow, which interest cost may be deducted from your taxes if you qualify. You won't find similar benefits with other college funding products. Consult your tax advisor for information — we have an effective interest table that illustrates your potential savings.

You can use the line whenever you need. It's like becoming your own banker. Simply advance money to pay for college expenses ... when you need ... as you need.

Let's find a lender near you with the best rate and terms. Search our financial network by-city by-occupation

How you might use your "College Educator" equity line of credit:

1. Start with an approved home equity line of credit account from a lending institution (we can help find your lender).
   
    
2. Access and transfer an advance from your equity line account to your joint parent / student bank checking account.
   
    
3. You and your student can use the bank account to write unlimited checks for any amount to:
   
    

   ·	pay tuition
   ·	buy books and supplies
   ·	place an advance on class fees
   ·	send money to come home for the holidays
   ·	use it like a money account for any other need; i.e., home renovation, debt consolidation, etc.
   ·	the account is FDIC insured
   ·	you can fund the account with your equity line account or any other deposit
   ·	request a bank account where you will pay ZERO monthly service fees
   ·	your daily transaction balance and monthly statement should be available online so that you can monitor your student's financial activity

   
    

4. Request that your money account comes with a FREE Visa® CheckCard. Your student can use the card to:
   
    

   ·	withdrawl funds from any ATM machine
   ·	make retail purchases at any merchant that accepts Visa®
   ·	transact online purchases with fraud protection
   ·	payment for purchases comes right out of joing parent / student account
   ·	you get all the benefits from the Visa ® brand

Access benefits:

1. Your student will not be restricted by the number of times they can access your money since one advance will be placed into a bank account with unlimited check previleges.
   
    
2. Since the bank money account is a joint account, you can monitor your student's financial activity to ensure fiscal responsibility and need
   
    
3. Your student can access funds for $1 or any amount up to your approved credit line balance — no minimum requirement restrictions.
   
    
4. Your student can use the CheckCard at participating merchants without exposing your equity line account to potential fraud and mis-handling.
    

Hey!, it looks like you have become the banker. Apply now and let us find the right lender near you.