Payment incentives: Automatic 1.0% interest rate reduction if
initial 36 monthly payments are made on time.
Optional incentive: 0.25% interest rate reduction through
automatic debit of payments.
Apply on-line at
www.studentloan.com or call 1-800-729-6108.
NOTE to Citibank PLUS borrowers: if you consolidate your
Citibank PLUS loan(s) you will lose your current borrower benefits
of an automatic 0.25% interest rate reduction and the final six
monthly payments paid by Citibank. Be sure to consider this before
you decide to consolidate.