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<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Hello you lucky souls who are still stuck
in your offices on Friday afternoon like me. Sherry’s post regarding BOK picking
up the guarantee fee is very interesting because it’s different from what
I understood. Hey BOK folks, we need your help here. I was wondering if
Kimberly (assuming she’s not having a baby right now) or Jeremy might clarify
for us what fee(s) BOK will be “paying/waiving/providing/covering/picking
up” for 2006-07 – the lender origination fees and/or the guarantor
default fee? <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Thanks again to Pam and others for their
contributions to our discussion.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Larry<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
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<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'>
oasfaa-bounces@lists.onenet.net [mailto:oasfaa-bounces@lists.onenet.net] <b><span
style='font-weight:bold'>On Behalf Of </span></b>Sherry Foster<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:55 PM<br>
<b><span style='font-weight:bold'>To:</span></b> Nancy Moats; oasfaa@onenet.net<br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>
</div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>I just visited with Kimberly today from
BOK and she says that they are picking up the Guarantee fee. She just
smiled when I mentioned future years. I don’t think anyone knows
for sure.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Sherry Foster<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
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<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> <st1:PersonName
w:st="on">oasfaa-bounces@lists.one<st1:PersonName w:st="on">net</st1:PersonName>.<st1:PersonName
w:st="on">net</st1:PersonName></st1:PersonName> [mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b>Nancy Moats<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:48 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>
</div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>To add to both of your comments, has
anyone seen anything in writing from a guarantor who is willing to subsidize
the 1% fee, and if so, is there any commitment to subsidize it beyond this
first year?</span></font><o:p></o:p></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'> </span></font><o:p></o:p></p>
<p class=MsoNormal><st1:place w:st="on"><st1:City w:st="on"><font size=2
color=navy face=Arial><span style='font-size:10.0pt;font-family:Arial;
color:navy'>Nancy</span></font></st1:City></st1:place><font size=2
color=navy face=Arial><span style='font-size:10.0pt;font-family:Arial;
color:navy'> Moats</span></font><o:p></o:p></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'> </span></font><o:p></o:p></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'> </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'>-----Original Message-----<br>
<b><span style='font-weight:bold'>From:</span></b> <st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>
[mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b><st1:PersonName
w:st="on">Hollingsworth, Larry</st1:PersonName><br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:03 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Great question Jonna.
I'll be the first to jump in. Hopefully, others will join us. You're not alone struggling
with this delimma. Many of us are "in a pickle" on this one though. </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Who among our students,
if given the opportunity to pay zero fees or pay a 1% fee would opt for the 1%?
Not many I'd bet. At the same time who among our financial aid offices wants to
sit down with a student/parent and defend processing a loan with 1% fees when
it could have been processed with no fees? I don't look forward to that type of
a conversation. Therefore, I'm trying to figure our a simple way of
communicating the choices to our students and let them make the decision for
themselves.</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>When lenders are biting
the bullet and waiving fees in order to be competitive, I'd like to see OGSLP
do the same thing. Unfortunately, I don't believe state schools have to same flexibility
that privates do in pursuing a better alternative for their students. Let's
face it, polictics are part of the environment in which we live. So
if anyone has any creative solutions in mind, please share them with the rest
of us. </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>These observations
are not intended to represent anyone but me. </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Larry</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
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<hr size=2 width="100%" align=center>
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<p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:
12.0pt;margin-left:5.0in'><b><font size=2 face=Tahoma><span style='font-size:
10.0pt;font-family:Tahoma;font-weight:bold'>From:</span></font></b><font
size=2 face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> <st1:PersonName
w:st="on">oasfaa-bounces@lists.one<st1:PersonName w:st="on">net</st1:PersonName>.<st1:PersonName
w:st="on">net</st1:PersonName></st1:PersonName> [mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b>Jonna L. Raney<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
12:45 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>I’m interested to know what
schools are doing for 06/07 about the guarantor for their loans. I’m torn
because I want to do business in OK, but if other guarantors are paying the 1%
guarantee fee, I have to also keep in mind what is best for our students. I
feel like the service from the 1% guarantor and the no fee guarantor are both
very good, so that’s not a big factor in the decision for me. </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'> </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'> </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>I don’t want to step on any
toes, but I need to make a decision about this topic fairly soon. I’d
like to hear from both State and Private schools if possible.</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'> </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>Thanks for any feedback. </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'> </span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>Jonna Raney</span></font><o:p></o:p></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>St. Gregory’s University</span></font><o:p></o:p></p>
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