Finance your Flight Training with Citizens Bank

Important Application Information

The loan application is designed for a typical college program, so please use these tips when applying to finance your flight training at ATP:

Program Type: "Undergraduate".
State of School: "Florida" (even though you may go to any training center)
School: "ATP USA, INC."
Grade: "Undergraduate Freshman"
Major: Select "Other" as the major.
Academic Period: enter an approximate start date, with an end date at least 3 months later.

If you have any questions during the loan application process, please email admissions@allatps.com or call 800-ALL-ATPS (800-255-2877).

About Citizens Bank Loans

At RBS Citizens, we understand a good education is one of the best investments you will ever make, but traditional financial aid packages may not cover the total cost of an education. Thus, we are proud to partner with TERI to offer students the RBS Citizens Undergraduate, Graduate, Continuing Education and MedAdvantage Loans to help you and your family cover tuition and education related expenses. RBS Citizens has over 25 years of experience in the student loan industry. We believe making education possible is a vital part of our commitment to the community and we look forward to helping you finance your education.

RBS Citizens loans guaranteed by TERI feature competitive interest rates, no origination fees for qualified borrowers, and repayment options that include no payments while in school. Borrowers may take advantage of a 0.25% interest rate reduction with automatic payments, deferment options while the student is in school, and cosigner release for borrowers who demonstrate good payment practices during the initial years of repayment. TERI Guaranteed loans offer the flexibility to use the funds for any school-approved expense, including study abroad, and previous school balances. TERI offers eSign for a quick and easy loan process, and 24-hour access to loan status information.

Rates & Fees

Partner	Interest Rate & Margin¹	Origination Fees	APR¹
RBS Citizens, N.A.	LIBOR Index + 2.80% to LIBOR Index + 5.45%	0.00% to 9.50%	6.37% to 10.27%
BORROWER BENEFITS * Origination fees as low as 0.00% for the most credit-worthy borrowers (based on repayment option selected and the credit-worthiness of the student applicant and co-signer, if any). Origination fees range from 0.00% to 9.50%. * 0.25% interest rate reduction² * Co-signer release option² FOOTNOTES ¹APR (Annual Percentage Rate) is current as of 4/1/2008, and may increase during the life of your loan if the interest rate increases. These calculations assume you borrow $10,000; origination fees range as listed above; and LIBOR Index equals 3.62%. "LIBOR" means London Interbank Offered Rate. The LIBOR Index is equal to the average of the one-month LIBOR rates as published in the "Money Rates" section of The Wall Street Journal on the first business day of each of the three calendar months immediately preceding each quarterly adjustment date. The LIBOR Index may change quarterly.. The loan terms described here are for the 2007-2008 academic year and are subject to change. ²The 0.25% interest rate reduction is available to borrowers who arrange with the loan servicer to automatically deduct monthly payments from their bank account. The rate reduction will begin when automatic principal and interest loan payments start, and will remain in effect as long as automatic payments continue without interruption. The reduced interest rate will return to contract rate if auto payments are cancelled, rejected or returned for any reason. Co-signer release is subject to certain conditions, including (i) the borrower must make their initial 48 consecutive on-time principal and interest payments, and (ii) the borrower must be credit-worthy at the time of the request to release the cosigner. The lender and servicer reserve the right to modify or discontinue these borrower benefits at any time without notice.