{
   "domain":"everence",
   "default_lender_name":"Everence Federal Credit Union",
   "student_var_rate_range_with_index":"Variable rates ranging from: 4.00% to 7.75%",
   "student_floor_rate":"4.00%",
   "student_minimum_amount":"$2,000",
   "student_undergraduate_maximum_amount":"$120,000",
   "student_undergraduate_aggregate_limit":"120000.0",
   "student_graduate_aggregrate_limit":"175000.0",
   "student_origination_fee_list_item":"<li><span class='bold'>No Origination Fee</span> for all student borrowers</li>",
   "student_competitive_rates_list_item":"<li><span class='bold'> Competitive Interest Rates</span> and with good grades, potential for even lower rates</li>",
   "student_irr_list_item":"<li><span class='bold'> 1% Interest Rate Reduction</span> once 10% of the loan principal is repaid during the Repayment Period<sup>&Dagger;</sup></li>",
   "student_cosigner_release_list_item":"<li><span class='bold'>Cosigner Release Available</span> for creditworthy borrowers after 24 consecutive on-time principal and interest payments during the Repayment Period**</li>",
   "student_citizenships":[

   ],
   "student_cosigner_list_item":"Cosigner is required",
   "fn_student_apr_range_li":"<li id='footnote-student_apr_range'><div>This is a variable rate loan, meaning that your rate may increase after consummation. Rates are based on the Prime Rate as reported by the Wall Street Journal on the first of each month, for the last three months preceding the quarterly adjustment date (This base rate adjusts quarterly on the first day of January, April, July, and October). The rates advertised above assume that the borrower enrolls in automatic ACH payments and receives the 0.25% rate reduction. There is an interest rate floor of 4.00%, meaning that if the base rate + loan margin is less than 4.00%, the loan interest rate will be 4.00%. Please review the <a href='/sample/student/everence%20federal%20credit%20union/h21/' target='_blank'>Application and Solicitation Disclosure</a> for additional information. </div><div>Assuming a $10,000 loan amount, a 3.97% APR and the full payments option, you would make 54 (48 months in school + 6 month grace period) monthly payments of $25 while enrolled in school followed by 180 monthly payments of $77.30 to repay this loan. If the APR is 7.27% and the loan amount remains $10,000 you would make 54 monthly payments of $25 while you are enrolled in school followed by 180 monthly payments of $114.25 repay this loan. </div></li>",
   "cl_var_rate_range_with_index":"Variable rates ranging from: 4.00% to 8.25%",
   "cl_floor_rate":"4.00%",
   "cl_ceiling_rate":"18.00%",
   "cl_debt_range_undergraduate":"$7,500 - $125,000",
   "cl_debt_range_graduate":"$7,500 - $125,000",
   "cl_gross_monthly_list_item":"Applicants must have reliable gross monthly income of $2,000 to apply alone. To apply with a cosigner, applicants must have reliable gross monthly income and cosigners must have reliable gross monthly income of $2,000.",
   "cl_citizenships":[

   ],
   "cl_cosigner_release":24,
   "cl_minimum_amount":"$7,500",
   "cl_undergraduate_maximum_amount":"$125,000",
   "cl_maximum_amount":"$125,000",
   "fn_cl_apr_range_li":"<li id='footnote-cl_apr_range'><div>This is a variable rate loan, meaning that your rate may increase after consummation. Rates are based on the Prime Rate as reported by the Wall Street Journal on the first of each month, for the last three months preceding the quarterly adjustment date (This base rate adjusts quarterly on the first day of January, April, July, and October). The rates advertised above assume that the borrower enrolls in automatic ACH payments and receives the 0.25% rate reduction. There is an interest rate floor of 4.00%, meaning that if the base rate + loan margin is less than 4.00%, the loan interest rate will be 4.00%. Please review the <a href='/sample/consolidation/everence%20federal%20credit%20union/h21/' target='_blank'>Application and Solicitation Disclosure</a> for additional information. </div><div>Assuming a $10,000 loan amount, a 4.00% APR, and the level repayment option, you would make 240 monthly payments of $60.60 to repay this loan. If the APR is 8.25% and the loan amount remains $10,000, you would make 240 monthly payments of $85.21. </div></li>",
   "student_faq_cosigner_required_for_loan":"Yes, a cosigner is required to obtain a loan.",
   "cosigner_release_months":24,
   "explained_index_to_s":"Prime Rate",
   "cl_explained_index_to_s":"Prime Rate",
   "student_faq_how_we_calculate_interest":"The Loan Margin stays constant for the life of the loan and is determined at loan inception, depending on the borrower's credit history and ACS Grade.",
   "cl_faq_cosigner_eligible_loan":"To apply alone, applicants must have reliable gross monthly income of $2,000. To apply with a cosigner, applicants must have reliable gross monthly income and cosigners must have reliable gross monthly income of $2,000.",
   "cl_faq_cosigner_required_for_loan":"In some instances, a cosigner is required to obtain the Everence Federal Credit Union Private Student Loan Consolidation. A creditworthy cosigner increases the likelihood of your loan approval and may lead to a lower loan rate. Creditworthy borrowers that meet the credit requirements may apply without a cosigner."
}