Sallie Mae, Inc. ("Sallie Mae") maintains this Site in an attempt to provide you with comprehensive information on planning and paying for college. In addition, the Site can be used to convey information about Sallie Mae products and services and to execute online transactions. Sallie Mae requires that all the visitors to our Site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site, you indicate your acknowledgment and acceptance of these Terms of Service ("Terms"). Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

Sallie Mae reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Sallie Mae likewise may change the terms and conditions of the Terms from time to time with or without notice to you. You agree to review the Terms periodically to ensure that you are aware of any modifications. Your continued access or use of the Site after the modifications have become effective shall be deemed your conclusive acceptance of the modified Terms.

THE CONTENTS OF THE SITE, INCLUDING ITS "LOOK AND FEEL" (E.G.,TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to Sallie Mae or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Sallie Mae. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.

You agree to abide by all applicable local, state, national, and international laws and regulations in your use of the Site. Our Site is available only to individuals who are permitted to use it under applicable law. If you do not qualify, please do not use our Site. You agree to be solely responsible for your actions and the contents of your transmissions through the Site. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity.

You agree that Sallie Mae may terminate your password, account, or use of the Site in Sallie Mae's sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via email or conventional mail. In addition, Sallie Mae may post notices or links to notices through the Site to inform you of changes to the Terms, the Site, or other matters of importance.

You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.

On this Site, you will find content, functions, information, and tools, including that provided by third parties that are not the property of Sallie Mae. While we strive to keep both Sallie Mae and the third-party-provided information current and accurate, we cannot guarantee and expressly do not warrant that the content, functions, information and tools are error-free or that your access will be uninterrupted or that material accessible from this Site is free of viruses.

On this Site you will find numerous links which will transfer you to the site of an organization that can provide you with value-added information and/or functionality. By linking to these sites, Sallie Mae does not represent or imply that there is any business relationship between the two entities. Sallie Mae is not responsible for the content and performance of these sites or for your transactions with them. Furthermore, Sallie Mae strives to keep these links as current and accurate as possible, but we cannot guarantee and we expressly do not warrant that they point to the intended third party site. Links to and from this site do not constitute a Sallie Mae endorsement.

Use of this Site and the submission of any forms completed by you through this Site do not qualify you for financial aid. Your eligibility for financial aid will be determined by your individual financial situation, and the opinion of external agencies (e.g. schools, lenders, guarantee agencies, the Department of Education). By submitting an application for a scholarship, Sallie Mae does not guarantee that you will receive a scholarship. Eligibility for a scholarship will be determined by the entity sponsoring the scholarship or another designated entity.

When applying for a student loan on the Site, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current or incomplete, Sallie Mae has the right to terminate your loan application and/or decline to provide any and all future use of the site. When you apply for a student loan, Sallie Mae may access and process all information included on the application. Sallie Mae is permitted to disclose the information you provide to financial institutions, educational institutions and other authorized third parties. Sallie Mae respects your privacy. Please see our Privacy Policy, which is incorporated by reference into these Terms, for the details of our commitment.

If you are not a registered user, you may receive a ID and password upon completing the registration process. You are responsible for maintaining the confidentiality of your login name and password and for any and all activities that occur under your password or account. You agree to immediately notify Sallie Mae of any unauthorized use of your account or any other breach of security known to you.

YOU EXPRESSLY AGREE THAT USE OF THE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. SALLIE MAE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SALLIE MAE MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES SALLIE MAE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SOFTWARE USED IN THE SERVICE WILL BE CORRECTED. SALLIE MAE DISCLAIMS ANY WARRANTY THAT THE SITE (OR ANY INFORMATION OR SOFTWARE CONTAINED THEREIN) IS FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. SALLIE MAE MAKES NO WARRANTY REGARDING ANY SERVICES OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. SALLIE MAE ASSUMES NO RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY DATA OR OTHER INFORMATION PROVIDED BY YOU ON THE SERVICE.

NOTWITHSTANDING THE FOREGOING, BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LIABILITY TO THE FULL EXTENT DESCRIBED ABOVE, SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF SALLIE MAE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $500. IN NO EVENT SHALL SALLIE MAE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES GREATER THAN THE AMOUNT REFERRED TO ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, ARISING OUT OF OR RELATING TO USE OF THE SITE ARE HEREBY EXCLUDED EVEN IF SALLIE MAE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

You agree to indemnify, defend, and hold harmless Sallie Mae, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the Site by you or any other person accessing the Site using your user name and password.

The provisions of these Terms apply for the benefit of Sallie Mae and its officers, directors, employees, and agents. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

You represent and warrant that you possess the legal right and ability to enter into these Terms and to use the Site in accordance with these Terms.

This disclosure shall be governed in all respects by the substantive laws of the Commonwealth of Virginia, without regard to its provisions relating to conflict of laws. You and Sallie Mae agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within Fairfax County, Virginia. The failure of Sallie Mae to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute, regulation, or law to the contrary, any claim or cause of action arising out of or related to use of the site or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Data Source

Certain data on this site is provided by Thomson Peterson's Undergraduate Financial Aid and Undergraduate Databases copyright (2006) Thomson Peterson's, a part of Thomson Learning Inc. All rights reserved.

 
Sallie Mae Trademarks and Service Marks

For a complete listing of trademarks and service marks of SLM Corporation, formerly known as USA Education, Inc., its subsidiaries and affiliates, which may appear in Sallie Mae Websites visit SallieMae.com.

Sallie Mae's College Answer $1,000 Scholarship Sweepstakes Official Rules

Who may enter: The College Answer $1,000 Sweepstakes is open to students, parents, guidance counselors, and financial aid officers as set forth below.

Student: The scholarship will be awarded to students enrolled at an Eligible School. An Eligible School is a college or university, vocational school, trade school, professional school, or any other educational institution deemed acceptable by Sponsor. If you are not in a position to enroll in an Eligible School within the next 30 days, we will forward the scholarship to you in the form of a $1,000 check. The scholarship will be issued in check form and made payable to the winner (or, if a minor, to his/her parent or legal guardian).

Parent: The scholarship will be awarded to you based on the following criteria:

• If any one of your children will be a student at an Eligible School within the next 30 days and if you provide verifiable proof of enrollment for that student, we will forward the scholarship to the school as payment towards that student's tuition and fees.
• If you have children but none of them plan to attend an Eligible School within the next 30 days, we will forward the scholarship to you in the form of a $1,000 check in your child's name.
• If you do not have children, we will forward the scholarship to you in the form of a $1,000 check in your name.

Guidance Counselor: The scholarship will be awarded to you to donate to your school's scholarship fund. A check will be issued to the school which will have discretion as to how to award the $1,000 scholarship, so long as that award is made within 30 days of notification to you that you've won.

Financial Aid Officer: The scholarship will be awarded to your school to be used as part of its financial aid funds. The school may use its discretion in determining how the scholarship funds will be awarded as long as award is made within 30 days of notification.

The prize: Sallie Mae will award one (1) $1,000 scholarship to the Sweepstakes winner.

How to enter: You may enter the Sweepstakes by successfully completing Sallie Mae's online registration form.

Alternate means of entry: Mail a 4" x 6" card with the following information:

• Your full name
• Your complete address
• Valid email address (if you do not have an e-mail address, print "no e-mail address")
• Grade level
• School you are attending
• Valid telephone number
• The words "Sallie Mae $1,000 Sweepstakes"

Mail entry to:

Sallie Mae $1,000 Sweepstakes Registration
11100 USA Parkway, M373
Fishers, IN 46037

Only one entry card will be accepted per person. All entries become the exclusive property of Sponsor and will not be acknowledged or returned.

Terms and Conditions

1. By submitting an entry, you fully and unconditionally agree to and accept these Official Rules. The Sallie Mae $1,000 Sweepstakes ("Sweepstakes") is sponsored by Sallie Mae, Inc., 12061 Bluemont Way, Reston, Virginia, 20190 ("Sponsor"). "You" means the person who submits an entry.
2. Sweepstakes is void where prohibited. All federal, state and local laws and regulations apply. Subject to any governmental approval that may be required, Sponsor reserves the right to, without prior notice and at any time, terminate the Sweepstakes, in whole or in part, or modify Sweepstakes in any way, should any factor interfere with its proper conduct as contemplated by these Official Rules. Sweepstakes will begin on July 1, 2008 and will continue on a monthly basis. Sponsor reserves the right in its sole discretion, to cancel the sweepstakes in its entirety, or only the online portion, if it becomes technically corrupted or because of non-authorized human intervention.
3. Eligibility. Sweepstakes is open to all students, parents, guidance counselors, and financial aid officers as set forth above who have successfully completed the Sallie Mae online registration form or have entered the Sweepstakes through the alternate means of entry. Employees, officers, or directors of Sponsor, its parent companies, affiliates, subsidiaries, and their children, parents, spouse, and members of their household are ineligible to participate. No purchase or online entry necessary. Sweepstakes is open only to legal residents of the United States. A purchase does not enhance your chance of winning.
4. Effective date of entries. Entries made online will be effective on the day received. Entries submitted by mail will be effective on the date Sponsor receives and processes the entry. All entries become the exclusive property of Sallie Mae, Inc. and will not be acknowledged or returned. You are responsible for your costs of entering, including online access charges, long distance telephone charges, and postage.
5. Selection of winners. Winners will be determined by random drawing from all eligible entries received and processed at least one day before the monthly drawing. Drawings will be held on the last day of each month, or as soon as is commercially reasonable, beginning July 31, 2008. Winners will not be eligible to win any other Sallie Mae prizes awarded under Sweepstakes. Winners must agree to the use of their names, voices, and/or likeness for the purpose of advertising, trade, or promotion without further compensation, unless prohibited by law.
6. Notification of winners. Sweepstakes winner will be notified by phone or email, followed by mail if necessary. An e-mail will be sent to the winner within one week after the monthly drawing. All decisions are final and binding. Should the e-mail be returned to the Sponsor as invalid, two more attempts will be made via e-mail and one by regular mail. Winners must contact the Sponsor within 30 calendar days from the date the notification is sent by Sponsor to claim their Sallie Mae $1,000 scholarship. Failure to contact Sponsor within that 30 days period will result in immediate disqualification of the selected entrant and a new winner will be selected. No exceptions will be made to this rule. Sponsor may be reached by email. Sponsor is not responsible for and shall not be liable for late, lost, misdirected, or unsuccessful efforts to notify winners.
7. Odds of winning. The odds of winning any drawing will be determined by the number of eligible entries received.
8. In the event of a dispute regarding who submitted an online entry, the entry will be deemed submitted by the authorized account holder of the email account.
9. Prizes. One (1) $1,000 scholarship prize will be awarded in the scholarship winner’s name. Winner is responsible for all taxes. For tax purposes, scholarship winners must provide their Social Security Number in order for the $1,000 check to be disbursed.
10. Other conditions. Sponsor, its agents and representatives, its parent companies, affiliates, subsidiaries, advertising, promotion and fulfillment agencies and legal advisors are not responsible for and will not be liable for; (I) late, lost, damaged, misdirected, incomplete, unintelligible or postage due entries; (II) telephone, electronic, hardware or software program, network, Internet or computer malfunctions, failures or difficulties of any kind; (III) failed, incomplete, garbled or delayed computer transmissions; (IV) any condition caused by events beyond the control of Sponsor that may cause Sweepstakes to be disrupted or corrupted; (V) any injuries losses or damages of any kind arising in connection with or as a result of the Sweepstakes, acceptance, possession or use of the name "Sallie Mae $1,000 Sweepstakes", or from participation in the Sweepstakes; or (VI) any printing or typographical error in any material associated with the Sweepstakes.
11. Indemnification. You agree to release and hold Sponsor, its employees, officers, directors, shareholders, agents, representatives, parent companies, affiliates, subsidiaries, advertising, promotion and fulfillment agencies, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with the Sweepstakes or resulting from acceptance, possession or use of the name " Sallie Mae $1,000 Sweepstakes ", including without limitation, personal injury, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
12. Choice of law. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of you and Sponsor in connection with the Sweepstakes, will be governed by, and construed in accordance with, the substantive laws of the Commonwealth of Virginia without regard to Virginia choice of law rules.

Sallie Mae's Parent Answer $10,000 Scholarship Sweepstakes^TM Official Rules

Who may enter: Sallie Mae's Parent Answer Scholarship Sweepstakes ("Parent Answer Scholarship Sweepstakes" or "Sweepstakes") is open to all U.S. residents who are parents of undergraduate college students attending a Title IV school or parents of high school seniors entering a Title IV school for the academic year 2010-11.

The prize: Sallie Mae will award one (1) $10,000 scholarship toward college tuition and/or other college related expenses to be paid to the Sweepstakes winner.

How to enter: You may register for the Parent Answer Scholarship Sweepstakes by (a) completing Sallie Mae's online registration form with your name, address, home telephone number, and valid email address and (b) agreeing to receive Sallie Mae's Parent Answer e-Newsletter, without opting out at any time before the sweepstakes drawing.

Alternate means of entry: Mail a 4" x 6" card on which you have printed your name, valid email address, complete mailing address, telephone number, number of children, and the words "Parent Answer Scholarship Sweepstakes—$10,000" in a separate envelope addressed to Parent Answer Scholarship Sweepstakes—$10,000, P.O. Box 9500, Wilkes-Barre, PA 18773-9500.

You also may enter the Parent Answer Scholarship Sweepstakes by (a) completing and returning an Official Sallie Mae Parent Answer Business Reply Card with your name, address, home telephone number, and valid email address and (b) agreeing to receive Sallie Mae's Parent Answer e-Newsletter, without opting out at any time before the Sweepstakes drawing.

Limit one entry per household regardless of method of entry. All entries become the exclusive property of Sponsor and will not be acknowledged or returned. You must enter no later than May 31, 2010 to be eligible to win. If you do not win a prize, your entry remains eligible for future drawings. Eligible participants that were entered in the Parent Answer Scholarship Sweepstakes that ended May 31, 2009 are automatically entered in this sweepstakes.

Terms and Conditions

1. By submitting an entry, you fully and unconditionally agree to and accept these Official Rules. The Parent Answer Scholarship Sweepstakes ("Parent Answer Scholarship Sweepstakes" or "Sweepstakes") is sponsored by Sallie Mae, Inc., 12061 Bluemont Way, Reston, Virginia 20190 ("Sponsor"). "You" means the person who submits an entry.
2. Sweepstakes is void where prohibited. All federal, state, and local laws and regulations apply. Subject to any governmental approval that may be required, Sponsor reserves the right to, without prior notice and at any time, terminate the Sweepstakes, in whole or in part, or modify Sweepstakes in any way, should any factor interfere with its proper conduct as contemplated by these Official Rules. Sweepstakes will begin on June 1, 2009 and will end on May 31, 2010. Sponsor reserves the right in its sole discretion, to cancel the sweepstakes in its entirety, or only the online portion, if it becomes technically corrupted or because of non-authorized human intervention.
3. Eligibility. Sweepstakes is open to all U.S. residents who are parents of undergraduate college students attending a Title IV school or parents of high school seniors entering a Title IV school, for the academic year 2010-2011. Employees, officers, or directors of Sponsor, its parent companies, affiliates, subsidiaries, and their children, parents, spouse, and members of their household are ineligible to participate. No purchase or online entry necessary. Sweepstakes is open only to legal residents of the United States. A purchase does not enhance your chance of winning.
4. Effective date of entries. Entries made online will be effective on the day received. Entries submitted by mail will be effective on the date Sponsor receives and processes the entry. All entries become the exclusive property of Sallie Mae, Inc. and will not be acknowledged or returned. You are responsible for your costs of entering, including online access charges, long distance telephone charges, and postage.
5. Selection of winners. Winners will be determined by random drawing from all eligible entries received and processed at least one day before the drawing. Drawing will be held on June 15, 2010 or as soon thereafter as is commercially reasonable. Winners will not be eligible to win any other Sallie Mae prizes awarded under Sweepstakes. Winners must agree to the use of their names, voices, and/or likeness for the purpose of advertising, trade or promotion without further compensation, unless prohibited by law.
6. Notification of winner. Sweepstakes winner will be notified by email approximately one week after the drawing. All decisions are final and binding. Should an email notice be undeliverable or returned to the Sponsor as invalid, one more attempt will be made via email; and if the notice is undeliverable or returned a second time, Sponsor will mail the notice to the address provided on the entrant's registration form. Winner must contact Sponsor in accordance with instructions on the notice and execute an Affidavit of Eligibility and Liability Release and, where legal, a Publicity Release within 10 days after the date the first notification was sent by the sponsor in order to claim their prize. Failure to complete these steps within that 10-day period will result in disqualification of the selected winner and a new winner will be selected at random from the pool of qualified entries. Sponsor is not responsible for and will not be liable for late, lost, misdirected or unsuccessful efforts to notify winners. The final prize winner will be posted on this page.
7. Odds of winning. The odds of winning any drawing will be determined by the number of eligible entries received.
8. In the event of a dispute regarding who submitted an entry, the entry will be deemed submitted by the home telephone number entered in the online registration form or the borrower named in the offline registration form.
9. Prize. One (1) $10,000 scholarship will be awarded in the Sweepstakes Winner's name. Winner is responsible for all taxes. Prize is not transferable.
10. Other conditions. Sponsor, its agents and representatives, its parent companies, affiliates, subsidiaries, advertising, promotion and fulfillment agencies and legal advisors are not responsible for and will not be liable for; (I) late, lost, damaged, misdirected, incomplete, unintelligible or postage due entries; (II) telephone, electronic, hardware or software program, network, Internet or computer malfunctions, failures or difficulties of any kind; (III) failed, incomplete, garbled or delayed computer transmissions; (IV) any condition caused by events beyond the control of Sponsor that may cause Sweepstakes to be disrupted or corrupted; (V) any injuries, losses or damages of any kind arising in connection with or as a result of the Sweepstakes, acceptance, possession or use of the name "Parent Answer Scholarship Sweepstakes," or from participation in the Sweepstakes; or (VI) any printing or typographical error in any material associated with the Sweepstakes.
11. Indemnification. You agree to release and hold Sponsor, its employees, officers, directors, shareholders, agents, representatives, parent companies, affiliates, subsidiaries, advertising, promotion and fulfillment agencies, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with the Sweepstakes or resulting from acceptance, possession or use of the name "Parent Answer Scholarship Sweepstakes", including without limitation, personal injury, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
12. Resolution of disputes. Except where prohibited by law, as a condition of participating in this Sweepstakes you agree that (1) any and all disputes and causes of action arising out of or connected with the Sweepstakes or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest Reston, Virginia; (2) the Federal Arbitration Act will govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will you be permitted to obtain awards for, and you hereby waive all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than your actual out-of-pocket expenses (i.e., costs associated with entering the Sweepstakes), and you further waive all rights to have damages multiplied or increased.
13. Choice of law. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of you and Sponsor in connection with the Sweepstakes, will be governed by, and construed in accordance with, the substantive laws of the Commonwealth of Virginia without regard to Virginia choice of law rules.

IMPORTANT: Any person attempting to forge entry or to defraud Sallie Mae in any way in connection with this Sweepstakes will be prosecuted to the fullest extent of the law. Any attempt by a participant or any other individual to deliberately damage any Web site or undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right to prosecute any such individual to the fullest extent of the law.

Note: Our most recent $10,000 scholarship winner is Janet Bryant, Indiana.

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