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liamtsullivan · 4 years

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-- && guests may mistake me as ( andy biersack ), but really i am ( liam sullivan + cis male + he/him ) and my DOB is ( 12/28/93 ). i am applying for the ( banquet manager ) position as part of the EHP and would like to live in suite ( #203 ). i should be hired because i am ( + loyal, charismatic, driven ), but i can also be ( - distracted, opinionated, pushy ) at times. personally, i like to ( watch documentaries, play poker, get tattoos ) when off the clock, but that won’t interfere with work. thank you for your consideration!

ooc;; it’s ya girl kay again, i’m so so sorry adfjlaksfj. this is liam, he’s a brain baby of mine that i played a little while ago and he’s been haunting me since i stopped playing him so here he is to be a part of y’all’s lives. hopefully you dig him, if not......... well that’s fine, too. can’t make you do anything, i’m not your mom unless you’re card; go to your room, card.

TW’s: Mentions of prostitution. Abortion. Drug use, drug addiction, drug overdose, & drug related death.

fast facts / personality details;;

( i put these first this time because the background is A Lot on this one okay )

has a rather protective and care-giving nature mixed in with his excellent work ethic and drive.

loves when guests ask for the manager and he gets to come out and see how much they didn’t expect the manager to be a 6′4″ beanpole with neck tattoos.

lives by the ideal “put your money where your mouth is” ; also just like, be genuine and up front with him in general, like he’s not an asshole, but also he knows how to deal with assholes, so let that be said

has a five year old german shepherd named Roxy that he rescued from shelter overflow when she was only a six month old puppy; Roxy still thinks that she is a small lap dog despite being a Big Girl

still wears the ring that his mom gave him for his eighteenth birthday every day, despite the issues that they had, and despite her being gone now.

has his nose pierced and his lip pierced, though the lip ring he takes out for stretches of time; the nose ring is always in, though.

absolutely covered in tattoos, in case that wasn’t already painfully obvious. he loves getting them and yes, still has room for more, will continue to get them probably forever.

prefers brown liquor over pretty much any other alcohol, though he’s not opposed to a good draft every once in a while

listens to more classical music than anyone would ever probably expect of him; that being said he also listens to a lot of classic rock and, naturally, a dose of pop punk, too, for fun.

he likes listening to true crime podcasts and watching various true crime / serial killer documentaries; criminal minds is also his favorite show. so like don’t piss him off, i guess ajdkfljasdklf

smokes cigarettes like he’s a motherfucking chimney; says he’s working on quitting, has yet to actually start that process.

generally just a supportive person; if Liam cares about you in any capacity - even if it’s just because you work together - you’ll know it. he likes to help the people around him, try to steer them in the right direction, offer them advice.

he’s not a shy person, in fact he’s rather social, and while there’s a dry humored joke or a sarcastic toy here and there, he’s a pretty genuinely nice dude. despite the things that he’s seen and been through in his life, he’s worked really hard to stay optimistic, and driven throughout and so far he’s been very successful at that.

dresses rather nice / got that business casual look down with the short-sleeved button ups or the long-sleeved ones with the sleeves rolled for work purposes. however, outside of work it's like a cat and his wardrobe were in a trash bag together. lots of black, and dark earthy colors, too. the duality of man.

background / life story;;

Liam Travis Sullivan was born and raised in Las Vegas, Nevada, where his mother, Stephanie Sullivan, was an escort / call girl on The Strip.

Stephanie getting pregnant was a tremendous ‘oops,’ but she kept the baby anyway. The baby’s father was a client who had a wife and kids already, so he paid Stephanie a whole lot of money to stay quiet and out of contact with him. This money allowed for her to take time off from working to be able to have Liam and take care of him for a bit.

Liam really was Stephanie’s whole world once he was born; the best thing that she ever did, as she so often told him through the years.

Liam never knew his father, but he put two and two together once he was old enough to understand what it was that his mom did.

Liam was three years old when Stephanie finally returned to working on The Strip. He was left in the care of some of Steph’s other ‘working girl’ friends on the nights she happened to be working.

He got very accustomed to spending his time around females, having a heavy female influence in his life as he grew up -whether that particular female influence was always the best or not. It led to his respect for women, though, and his ability to feel very comfortable around them, even from a young age.

When Liam was six years old, Stephanie ended up pregnant again. However, this time she ended up actually having an abortion. Liam only knew about it because his mother rambled about it to him in an overemotional drunken state. She told him that “he was her good boy and all that she needed.”

Working The Strip -as notorious a place as it was- and making the money that she did left Steph open to a lot of drinking and drug use.

At eight years old, Liam found a stash of his mother’s cocaine in their bathroom. This earned a distressed meltdown from Steph about him staying away from that sort of stuff because it was bad. Though, as a developing child gaining understanding of the world around him, that proved to confuse Liam because he didn’t understand why his mommy had it and was doing it if it were so bad.

Liam was ten years old the first time that his mom overdosed. This instance just involved going to the hospital to get her stomach pumped and spend the night on a fluid IV, but it was still terrifying for the boy at the time.

Stephanie struggled with drug abuse for most of Liam’s life. Living where they did facilitated it so easily and also made any getting caught up in the law with it rare -it was Vegas, after all, not to mention Stephanie was in sex work, so the law wasn't always looking out for her anyway.

Right before Liam was about to start high school, the young teenager -already having had to do so much growing up so early and so fast- took it upon himself to give his mother an intervention of sorts. He told her that if she was going to keep taking time with her away from him that he was going to run away, figure life, out himself, even if he did end up in the foster system or something. He pleaded with her that he didn’t want to lose her, that he wanted her there for all the things his life could still have in store for him. Ultimately, after many tears and a lot of convincing, Steph let her fourteen year old son flush her drug stash and they made a very rushed plan to finally get out of Vegas.

Moving to California was really good for the both of them for a while. Being in a new place meant starting fresh, moving forward. Stephanie didn’t know anyone she could get drugs from; between that, the support of her son, and finding help at local NA meetings, she managed through the withdrawal and the struggling. She got a stable, more normal job, working at a sports bar -bartending and waiting tables.

Liam easily adjusted to the change of environment. He practically thrived in Los Angeles. Before he knew it, he had friends, got into playing football at his high school, was losing his virginity. Fast-paced and unconventional were ways that Liam was used to living his life, so getting into things like physical relationships with girls, despite how young he was in reality, felt normal to him in all his adjusting.

Things stayed going really well for pretty much the whole first year they were in LA. Liam did well in school, got a part time job to help his mom out. Steph ended up picking up a second job to stay busy and keep money coming in. They were good, they were better than they had been, and they had each other.

The summer before Liam’s junior year of high school, he caught his mom using again. Evidently it had been going on for a few months already at that point, and because of how busy he was with school, friends, and work, he had caught on late. Stephanie argued with him on the matter, told him that it wasn’t his business to worry about, among other unexpectedly harsh things. It was the first real, legitimate fight he ever really had with his mom, at least the first one that really mattered.

With too much riding on his focus on school and football -given he had since come up with the goal to go to a good college, to make something of himself and do good things- Liam shut himself off from his mom for a little while. They lived together, came and went about their lives, but they spoke minimally, Liam didn’t fight more with her despite knowing that she was still using at the time. It was very odd for him, to have any sort of bad energy between him and his mom -it was so rare, it had always been just the two of them. He decided, though, that he had to focus on himself and his future.

Senior year came with the promise of scholarships, multiple college scouts having their eyes on him, more than one girl interested in dating him, a wide friend circle, a basic car he had been able to buy for himself, and a growing savings account. Liam was doing great, he was on the right track, focused. Stephanie, however, had downward spiraled. Her using had gotten out of hand to the point of losing both of her jobs, having to get a new one in a setting that was dangerously close to the things she had been doing in Vegas -a strip club.

It wasn’t until Liam’s Winter Formal that year -Stephanie deep into her continued cocaine addiction- that something changed. He was in his suit, getting ready to leave to go pick up his date when his path crossed with Stephanie’s. Upon finding out where her son was heading, who he was going with, the friends he was meeting -details she hadn’t been knowledgeable on for some time at this point- the woman burst into tears. She sobbed apologies to her son, begged him to forgive her for missing out on his life, made promises to him that she would get better for him -promises Liam tried not to take to heart; he had learned.

They did get Stephanie into a rehabilitation clinic shortly after the holidays. She had to sober up a little bit and once again Liam shouldered the responsibility of getting rid of the drugs that she had in their apartment. He spent two months alone in their apartment while his mom worked through her issues, sobered up fully, came back to him. It was an exhausting couple of months for him, trying to be a self sufficient adult in an apartment that had to have things paid for in it, while also juggling school and football, but he managed.

Stephanie came home a different woman than she left, and upon getting a more functional version of his mother back, Liam had the tiniest glint of hope that maybe things would be okay again. Graduation was looming, and he had a few different schools that were more than willing to offer him full ride football scholarships to their universities. Notre Dame, Duke, UCLA, among other state-based colleges all had eyes on him. It was something he could finally talk to his mom about.

While Stephanie encouraged him to follow his heart, follow wherever his dreams were gonna take him, Liam couldn’t shake the idea of being far from home -or, in particular, being far from where she was. Things were so fragile with her and her addiction, it was so much more possible for something bad to happen and him to have absolutely no idea about it if he went far away. So despite the incredible opportunities he could have had elsewhere, he chose to accept to scholarship from UCLA out of all the schools who chose him.

Going to college, let alone such a prestigious and well known state school like UCLA was like something out of a fairytale for Liam. Looking back on what his life had been up to the point of graduating high school and moving on to bigger things, he was amazed at what he had accomplished. Given the healthy and sober way that his mother still was at the time of his high school graduation, she, too, made it a point to make sure he knew how amazed and proud she was of him.

College wasn’t quite as easy for him as high school was, but that just drove Liam to work even harder. He wasn’t going to waste the opportunity he was given. He was double majoring in business and marketing; even though he had little idea what sort of business he wanted to be a part of, he knew that he wanted something for himself, something that could do good, give back in some way shape or form. Those subjects would do a lot to help him get there, he knew that much.

Stephanie stayed sober for most of Liam’s college experience, after the help of going to rehab, and the continued going to NA meetings. He popped back to the apartment every now and again -having moved into campus living during the semesters- and that helped her, too. Things seemed really good for quite some time, but having the other shoe drop once again unfortunately didn’t come as too terribly much of a shock to Liam. She had been getting involved with some guy she knew from work, they’d been sleeping together, and what Liam didn’t know is that they frequently went out for drinks. Drinking slowly but surely progressed into getting high together; something easy for Stephanie to fall into, particularly because of her habit, but also because of the familiarity of the circumstances -it was awfully similar to when she was working on The Strip and would get wasted with clients.

Liam was in his last semester of college, just about three months shy of graduating with his bachelor’s degree. It was a huge deal for him, it was something that he wasn’t going to give up for anything in the world. Still, he made it a point to help his mother after she called him absolutely high out of her mind and apologizing to him while he was pulling an all-nighter on an assignment one night. He didn’t ask many questions, just the basics, and he looked into a place himself -a rehab center that was further away, lengthier and more in depth with their programs. Before, they had gone with what was convenient, facility-wise, but he wasn’t going to make that mistake twice. If his mother needed more special attention, he was going to get her to that.

Getting his degree was a gift, a blessing he in reality never thought would be his. While his mom was still in rehab at the time of his graduation -Liam insisted that she not leave treatment just to come to the ceremony- she still wrote to him consistently, sent him a congratulations card right around the day of the ceremony. Liam was in a position in his life that awed him in a way, ready to take on the world.

Pursuing the concept of his own business sort of took a back seat; having just gotten his degree, it wasn't like Liam could immediately leap into much, not to mention he didn't have the funds. He had been working and saving all through college - served, cooked, and bartended at a grand total of six different restaurants in Los Angeles by the time he graduated - but on top of any business itself being expensive, school itself was expensive, too.

By the time Liam was twenty-four years old, he was managing two bars, and co-managing a restaurant out in Los Angeles. He was living on his own, keeping tabs on his mother sporadically, but mostly working toward a goal for a business of his own. He was teetering between a pub of sorts, or a burlesque club - two wildly different ideas, but both with the same idea in mind; somewhere entertaining but somewhere that also provided a sense of community, somewhere he could give jobs to people that needed them - perhaps that was inclined to women, from his subconscious protection of his mother, but that was beside the point.

A coworker of his at one of the bars he was the bar manager of ended up being who presented a move out of Los Angeles to him. There was potentially more business opportunity somewhere out of that location, out of the state of California, even. Chicago was brought to the table, this friend having heard of a program that offered employee housing at a luxury hotel. Liam was apprehensive about the Malnati at first, given he didn't want to have to start on a bottom rung in terms of his job once again. As it turned out, however, there was a management position that was generally up his alley. Seeking opportunity and further growth wherever he could find it, Liam made the move to Chicago.

Things between him and his mom had been more distant over the year since he graduated college, and in his move to Chicago, he couldn't say he was surprised to end up hearing about things getting bad again for his mom. It was a moment of true growing up for Liam, realizing that he had to be responsible for himself, he had to do what he needed to do, he couldn't carry his mom anymore. If she didn't want to get better and stay better, he couldn't be the one derailing his life to continue to try to make her do so.

That first year of him living in Chicago, working as the banquet manager at the Malnati, his mom overdosed for the last time. It was unexpected in the same way that it wasn't; Liam went through a brief period of a numb sort of grieving - he was of course sad to have lost his mom, to have to come to terms with the fact that he'd never get to see or speak to her again. He also, though, had to face the fact that as dark and upsetting as the circumstances were, they were out of his hand, they were not his responsibility. He mourned his mother as she deserved, and he went on with his life; because deep down he knew that she would want that for him, anyway.

Liam has been living in Chicago and working as the Malnati's banquet manager for the last nearly-three years now. He oversees more than just a restaurant and a bar now, and it's expanded his career experience in ways that he is very thankful for. It's a little bit on the backburner once again, but definitely not forgotten, that he intends to have his own business some day. Perhaps more than one, even. He loves the organization and the hard work and dedication that go into leading - whether that be a kitchen or a bar or an event. He likes to be supportive as much as a leader - Liam wants to see his team succeed; if there's slack that needs to be picked up and he can help, he will. He's not going to bark orders and call it a day, that's not what he's about, that's not what he considers his job. He's got a good head on his shoulders, and a good work ethic, and he likes doing what he does.

wanted connections;;

IT’S TIME ONCE AGAIN FOR ME TO FAIL AT THESE LMFAO

Liam in his job oversees chefs, bartenders, servers, room service runners, and musicians, so like we got a whooooole lineup of connections to be had there; he’s their boss yeah, but as I’ve said like a million times now he’s really active in trying to help his team succeed. he’ll help out on the bar and running food and covering breaks or callouts or whatever, so like there’s a lot of good potential relationships to be had there.

other managers bc we love seniority adfjlkasdfjk no i’m just kidding, but still we love some manager pals why not

idk i think it’d be really funny to have someone who’s like intimidated by him simply because of the way that he looks and he’s like look i’m really not that bad i just like tattoos a lot okay lmAO

a casual hookup here or there is chill; he’s not super into the fwb thing? like he’ll stay friends after a hookup if the other person is cool with it, but as an ongoing thing it just gets too complicated for his liking.

pet parent friends; his girl Roxy is a friendly giant baby and he adores her, bring him some parent friends and her some dog friends

tattoo pals of some variety?? even if it’s just him constantly encouraging people to go get tattoos, or talking them through processes? going with them for moral support because he barely even feels it when he gets tattoos now?? who knows

honestly we been knew i’m up to just talking shit out and winging it a lot of the time too so just hit me up if you wanna figure some stuff out with this inked up beanpole okay? okay ily.

#liam. | about #liam. | headcanons #this is EXCEPTIONALLY LONG LMAO I'M SO SORRY #there's a lot to take in #if you made it through the whole thing you may be entitled to emotional compensation

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aaronsniderus · 6 years

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How to Trick Yourself Into Saving for Spring Break

Don’t get us wrong: Winter is lovely. Snowmen and sweaters brighten even the grayest, most frigid days. But we’re still relieved that spring is (finally) on the horizon, and we’re eagerly planning some epic spring break adventures.

Spring break is an exceptionally popular time to take a vacation — particularly for college students and millennials. More than half of millennials surveyed in a study spearheaded by TripAdvisor planned spring break travel in 2018, and 2019 should be no different.

While some destinations are cheaper than others, travel ain’t free. In fact, Skyscanner found that the average spring break flight cost $602 last year… and that’s before you even purchase a single margarita.

Of course, if you’ve got a hefty student loan check in the bank, it can be tempting to use some of it to fund your spring break adventure. But don’t! It’s not worth the added agony down the line — or the cost of accruing interest — and it can add to an already-staggering student debt total. (The average debt figure for 2018 graduates was $29,800.)

Fortunately, there are plenty of pain-free ways to save up for a spring break travel budget. With the right tools and tactics, you won’t even notice the money is gone until you’re sitting back with your toes in the sand.

Here are some smart ways to trick yourself into saving up for the spring break getaway of your dreams.

Savings apps

If you have a smartphone, the key to spring break savings may already be in the palm of your hand. Here are a few apps that make it simple to turn your spring break plans into a reality.

Albert

This app’s name makes it sound like it’s your personal butler — and for good reason. Albert is all about using technology to create a custom financial plan that works for your situation, analyzing your income, spending habits and goals.

After you connect your various accounts, Albert keeps you apprised of rising bills and unexpected fees that can throw your budget off balance. Then, it automatically sets aside savings based on your habits, slowly amassing a cushion without you even noticing.

Finally, Albert users have the added bonus of communicating with Albert Genius, a service backed by live human financial experts, and which is available to you via text at any time. Albert allows its users to pay “what you think is fair” for the service, starting as low as $4 per month.

Qapital

Available for both Android and iOS, Qapital is all about making saving fun. (Yes, fun.) You can set goals and rules to turn your penny-pinching project into a challenge, and the clean, bright interface makes it simple to see whether or not you’re staying on track.

Another cool feature of Qapital that makes it perfect for spring break savers: It allows you to set joint goals, where you and your friends all save for a common objective. In other words, you can get your whole spring break squad in on the game, which can help keep everyone motivated and achieve your goal easier.

Qapital’s fees start at $3 per month for basic service, and go up to $6 and $12 for its “Complete” and “Master” tiers, respectively.

Digit

Digit is also into saving money “without thinking about it.” It allows you to set specific, achievable goals. Rather than using an app interface, Digit is all text message-based, so it feels like sending a quick line to your friend … who just happens to be helping you save a ton of dough.

World traveler and former Student Loan Hero staff writer Susan Shain used Digit to painlessly save — get this — nearly $2,000. Although she’s an old pro at saving up for trips, she had never been able to amass an emergency fund, so she decided to try Digit to see if it would work.

“I noticed the app withdrawing small amounts of money from my account,” she writes, “but it was never enough to cause me any financial worry. When I finally logged in 10 months later, I was stoked to see I had saved almost $2,000. What a nice surprise!”

Investing apps

Yes, investing is all about the long game — and you need this spring break stash now.

But getting your portfolio started will put you in a better position to enjoy adventures later in life by allowing your money to be fruitful and multiply. The best time to start investing is when you’re young.

(Psst: A couple of the apps we’ve discussed above, like Qapital and Albert, also include investment options, so if you’re already signed up for them, have a look before you download another app!)

Acorns

Just imagine how much money you’d have if every time you swiped your credit card, the spare change from your transaction was automatically rolled into an investment account.

Well, that’s exactly what Acorns does with its “Round-Ups” feature, which makes it possible to build a hefty nest egg without thinking about it. The app is also rolling out a debit card, which will make it easier than ever to stick to your budget.

Acorns is built with beginner investors in mind, providing a wealth of information on its Grow blog to help you take control of your finances. Its services start at $1 per month, and go up to $2 or $3 if you opt in for additions like retirement guidance.

Stash

Got $5 to spare? You’ve got enough to start investing — at least if you use Stash, an automatic investment app geared toward beginners. For a fee of $1 a month, you can set up small automatic deposits (think: five bucks a week) and allocate them into themed ETFs to ensure your portfolio matches your values.

Or, if you’re interested in investing in specific companies, you can take advantage of Stash’s fractional shares to buy just a little bit of big name stocks like JPMorgan or Alphabet. Stash also offers fee-free retirement accounts for users under 25, which may be worth taking advantage of if you’re eligible.

Automatic transfers

Not quite ready to download a savings app? Put off by the idea of paying to save?

Well, you can DIY the incremental savings that make these apps so effective by setting up automatic transfers at your existing bank account.

Although the exact steps to set up the transfer will depend on your specific bank, it’s usually not too difficult — in fact, you’ll likely be able to do so from your online account portal. Even setting aside as little as $10 per week can really add up over time, especially if you move the money into a high-interest savings account, where it’ll earn a little extra.

Rewards and loyalty programs

It seems like every store you go to, there’s another customer service agent asking if you’d like to sign up for the rewards program. And while it can get tiresome, you can actually score some substantial savings if you take advantage of those rewards.

For example, Shell’s Fuel Rewards system earns you 5 cents off per gallon every time you spend $25 inside participating stations (which isn’t hard to do if you frequently run inside to grab a snack).

Five cents per gallon may not sound like much, but it can really add up, especially if you’ve got plans to drive somewhere far away, like Orlando. You can also earn points at Shell by purchasing gift cards for companies like Amazon and Apple, so if you’re already planning to spend money at those companies, you might as well buy the card instead.

Another popular loyalty program, particularly for java-fueled college students, is Starbucks Rewards, which allows you to earn points, or “stars,” each time you spend a dollar at Starbucks.

These stars can later be traded for free food and drink items, and you’ll also get exclusive access to member events, offers, free refills, a free birthday reward and more. At two stars per dollar spent and a reward once you collect 125 stars, you’ll get a freebie every $62.50, not counting star bonuses. And let’s be real — it’s easy spend that at Starbucks in a month.

Saving for spring break doesn’t have to be painful

Even if you’re planning an all-out spring break bash, you don’t have to break your back saving the money to get there. Small steps, like downloading a savings app, can reap big rewards without wrecking your lifestyle.

Happy spring!

Need a student loan? Here are our top student loan lenders of 2019!

LenderVariable APREligibility 1 Important Disclosures for Ascent. Ascent Disclosures

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB). Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. Loan products may not be available in certain jurisdictions, and certain restrictions, limitations; and terms and conditions may apply. Ascent is a federally registered trademark of Turnstile Capital Management (TCM) and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.

Ascent rates are effective as of 03/01/2019 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. Competitive rates calculated monthly at the time of loan approval. Ascent Tuition Cosigned Loan: Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR), rounded to the nearest 1/100th of a percent. The current LIBOR is 2.481%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an APR range between 4.23% – 13.23%. Fixed rate loans have an APR range between 5.21% – 14.28%. For Ascent Tuition loan current rates and repayment examples visit www.AscentTuition.com/APR. Ascent Independent Non-Cosigned Loan: Variable rate loans are based on a margin between 4.00% and 12.50% plus the 1-Month London Interbank Offered Rate (LIBOR), rounded to the nearest 1/100th of a percent. The current LIBOR is 2.481%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an APR range between 5.87% – 13.15%. Fixed rate loans have an APR range between 6.80% – 13.55%. For Ascent Independent non-cosigned loan current rates and repayment examples visit www.AscentIndependent.com/APR. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. Flexible repayment plans may be offered up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount is $2,000. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments to receive the 0.25% interest rate reduction. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding. Eligibility, loan amount and other loan terms are dependent on several factors, which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old. 1% Cash Back Graduation Reward subject to terms and conditions. Click here for details. In order to be eligible for the 1% Cash Back Graduation Reward, borrower must meet the following criteria after graduation: · The student borrower has graduated from the degree program that the loan was used to fund. · The student borrower may change majors and/or transfer to a different school, but must obtain the same level of degree (e.g. – undergraduate or graduate) · The graduation date is more than 90 days and less than five (5) years after the date of the loan’s first disbursement. · Any loan that the student has borrowed under the Ascent loan is not more than 30-days delinquent or in a default status as of the graduation date and until any Graduation Reward is paid. Students can apply to release their cosigner and continue with the loan in only their name after making the first 24 consecutive regularly scheduled full principal and interest payments on-time and meeting the other eligibility criteria to qualify for the loan without a cosigner.

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2 Important Disclosures for CollegeAve. CollegeAve Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation. This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7% variable Annual Percentage Rate (“APR”): 96 monthly payments of $179.28 while in the repayment period, for a total amount of payments of $17,211.20. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. As certified by your school and less any other financial aid you might receive. Minimum $1,000.

Information advertised valid as of 2/1/2019. Variable interest rates may increase after consummation.

3 Important Disclosures for Discover. Discover Disclosures At least a 3.0 GPA (or equivalent) qualifies for a one-time cash reward of 1% of the loan amount of each new Discover undergraduate and graduate student loan. Reward redemption period is limited. Please visit DiscoverStudentLoans.com/Reward for any applicable reward terms and conditions. View Terms and Conditions at DiscoverStudentLoans.com/AutoDebitReward. * The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers. 4 = Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply. 5 Important Disclosures for SunTrust. SunTrust Disclosures

Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. To view and compare the available features of SunTrust private student loans, visit https://www.suntrust.com/loans/student-loans/private.

Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this loan program without notice. Availability of all loan programs is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

Interest rates and APRs (Annual Percentage Rates) depend upon (a) the student’s and cosigner’s (if applicable) credit histories, (b) the repayment option and repayment term selected, (c) the requested loan amount and (d) other information provided on the online loan application. If approved, applicants will be notified of the rate applicable to your loan. Rates and terms effective for applications received on or after 3/1/2019. The current variable APRs for the program range from 4.251% APR to 13.250% APR and the current fixed APRs for the program range from 5.351% APR to 14.051% APR (the low APRs within these ranges assume a 7-year $10,000 loan, with two disbursements and no deferment; the high APRs within these ranges assume a 15-year $10,000 loan with two disbursements). The variable interest rate for each calendar month is calculated by adding the current One-month LIBOR index to your margin. LIBOR stands for London Interbank Offered Rate. The One-month LIBOR is published in the Money Rates section of The Wall Street Journal (Eastern Edition). The One-month LIBOR index is captured on the 25th day of the immediately preceding calendar month (or if the 25th is not a business day, the next business day thereafter), and is rounded up to the nearest 1/8th of one percent. The current One-month LIBOR index is 2.500% on 3/1/2019. The variable interest rate will increase or decrease if the One-month LIBOR index changes. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the auto pay discount. Any applicant who applies for a loan the month of, the month prior to, or the month after the student’s graduation date, as stated on the application or certified by the school, will only be offered the Immediate Repayment option. The student must be enrolled at least half-time to be eligible for the partial interest, fully deferred and interest only repayment options unless the loan is being used for a past due balance and the student is out of school. With the Full Deferment option, payments may be deferred while the student is enrolled at least half-time at an approved school and during the six month grace period after graduation or dropping below half-time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. The Partial Interest Repayment option (paying $25 per month during in-school deferment) is only available on loans of $5,000 or more. For payment examples, see footnote 7. With the Immediate Repayment option, the first payment of principal and interest will be due approximately 30-60 calendar days after the final disbursement date and the minimum monthly payment is $50.00. There are no prepayment penalties. The 15-year term and Partial Interest Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. Making interest only or partial interest payments while in school deferment (including the grace period) will not reduce the principal balance of the loan. Payment examples within this footnote assume a 45-month deferment period, a six-month grace period before entering repayment and the Partial Interest Repayment option. 7-year term: $10,000 loan disbursed over two transactions with a 7-year repayment term (84 months) and 8.468% APR would result in a monthly principal and interest payment of $199.90. 10-year term: $10,000 loan disbursed over two transactions with a 10-year repayment term (120 months) and 8.938% APR would result in a monthly principal and interest payment of $162.92. 15-year term: $10,000 loan disbursed over two transactions with a 15-year repayment term (180 months) and 9.423% APR would result in a monthly principal and interest payment of $136.90. The 2% principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, cancelled, or returned. To receive this principal reduction, it must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher and proof of such graduation (e.g. copy of diploma, final transcript or letter on school letterhead) must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student receives more than one degree. Earn an interest rate reduction for making automatic payments of principal and interest from a bank account (“auto pay discount”). Earn a 0.25% interest rate reduction when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank checking, savings, or money market account. The auto pay discount will continue until (1) automatic deduction of payments is stopped (including during any deferment or forbearance) or (2) three automatic deductions are returned for insufficient funds during the life of the loan. The extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank account will be applied after the first automatic payment is successfully deducted and will be removed for the reasons stated above. In the event the auto pay discount is removed, the loan will accrue interest at the rate stated in your Credit Agreement. The auto pay discount is not available when payments are deferred or when the loan is in forbearance, even if payments are being made. A cosigner may be released from the loan upon request to the servicer provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria and met either one of the following payment conditions: (a) the first 36 consecutive monthly principal and interest payments have been made on-time (received by the servicer within 10 calendar days after their due date) or (b) the loan has not had any late payments and has been prepaid prior to the end of the first 36 months of scheduled principal and interest payments in an amount equal to the first 36 months of scheduled principal and interest payments (based on the monthly payment amount in effect when you make the most recent payment). As an example, if you have made 30 months of consecutive on-time payments, and then, based on the monthly payment amount in effect on the due date of your 31st consecutive monthly payment, you pay a lump sum equal to 6 months of payments, you will have satisfied the payment condition. Cosigner release may not be available if a loan is in forbearance. If the student dies after any part of the loan has been disbursed, and the loan has not been charged off due to non-payment or bankruptcy, then the outstanding balance will be forgiven if the servicer is informed of the student’s death and receives acceptable proof of death. If the student becomes totally and permanently disabled after any part of the loan has been disbursed and the loan has not been charged off due to non-payment or bankruptcy, the loan will be forgiven upon the servicer’s receipt and approval of a completed discharge application. If the student borrower dies or becomes totally and permanently disabled prior to the full disbursement of the loan, and the loan is forgiven, all future disbursements will be cancelled. Loan forgiveness for student death or disability is available at any point throughout the life of the loan. 6 Important Disclosures for LendKey. LendKey Disclosures

Additional terms and conditions apply. For more details see LendKey

7 Important Disclosures for CommonBond. CommonBond Disclosures

A government loan is made according to rules set by the U.S. Department of Education. Government loans have fixed interest rates, meaning that the interest rate on a government loan will never go up or down.

Government loans also permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Depending on what type of government loan that you have, you may be eligible for loan forgiveness in exchange for performing certain types of public service. If you are an active-duty service member and you obtained your government loan before you were called to active duty, you are entitled to interest rate and repayment benefits for your loan. If you are unable to pay your government loan, the government can refer your loan to a collection agency or sue you for the unpaid amount. In addition, the government has special powers to collect the loan, such as taking your tax refund and applying it to your loan balance.

A private student loan is not a government loan and is not regulated by the Department of Education. A private student loan is instead regulated like other consumer loans under both state and federal law and by the terms of the promissory note with your lender. If you refinance your government loan, your new lender will use the proceeds of your new loan to pay off your government loan. Private student loan lenders do not have to honor any of the benefits that apply to government loans. Because your government loan will be gone after refinancing, you will lose any benefits that apply to that loan. If you are an active-duty service member, your new loan will not be eligible for service member benefits. Most importantly, once you refinance your government loan, you will not able to reinstate your government loan if you become dissatisfied with the terms of your private student loan.

If your private student loan has a fixed interest rate, then that rate will never go up or down. If your private student loan has a variable interest rate, then that rate will vary depending on an index rate disclosed in your application. If the interest rate on the new private student loan is less than the interest rate on your government loans, your payments will be less if you refinance. If you are a borrower with a secure job, emergency savings, strong credit and are unlikely to need any of the options available to distressed borrowers of government loans, a refinance of your government loans into a private student loan may be attractive to you. You should consider the costs and benefits of refinancing carefully before you refinance.

If you don’t pay a private student loan as agreed, the lender can refer your loan to a collection agency or sue you for the unpaid amount.

Remember also that like government loans, most private loans cannot be discharged if you file bankruptcy unless you can demonstrate that repayment of the loan would cause you an undue hardship. In most bankruptcy courts, proving undue hardship is very difficult for most borrowers.

8 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Undergraduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 4.45%-12.42% (4.45%-12.32% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.74%-12.19% (5.74% – 12.09% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Graduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 4.45% – 12.18% (4.45% – 11.82% APR) and will fluctuate over the term of your loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.74% – 11.95% (5.74% – 11.65% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. You will be presented with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Citizens One Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens One reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens One Student Loans private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens One Student Loans-participating school. Please Note: International Students are not eligible for the multi-year approval feature. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 4.23% – 13.23%1Undergraduate and Graduate

Visit Ascent

4.20% – 11.44%2Undergraduate, Graduate, and Parents

Visit CollegeAve

4.84% – 13.49%3Undergraduate and Graduate

Visit Discover

4.50% – 10.11%*,4Undergraduate and Graduate

Visit SallieMae

4.25% – 13.25%5Undergraduate and Graduate

Visit SunTrust

5.85% – 6.99%6Undergraduate and Graduate

Visit LendKey

3.95% – 9.81%7Undergraduate, Graduate, and Parents

Visit CommonBond

4.45% – 12.42%8Undergraduate, Graduate, and Parents

Visit Citizens

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