Certainty: From the start, Lincoln Loan commitments will provide funding for the entire program on terms that will not change.

Risk: Over the course of the ten-year repayment there will be no monthly payment any time the student is earning less than $75,000 a year. Periods of non-payment due to sub-$75,000 income will not create carry forward accruals or capitalizations of debt.

Data-Cost: The Lincoln Loan is a ten-year loan that will charge NO interest. Students will pay back only the principal borrowed.