| Over the years, Access Group has established a history of industry innovations. Our scrapbook shows that Access Group (and its loan programs):
- Offered the first private Bar Examination Loan
- Developed Need Access®, the first fully electronic financial need analysis software product designed specifically for graduate and professional students
- Created Loan Line, the first over-the-phone application in student lending
- Pioneered borrower-based pricing of private student loans (varying loan costs according to the individual borrower's level of credit risk)
- Applied the universal use of credit scores to student loan credit reviews
- Offered the first fully interactive graduate student loan application on the Web
- Led the industry in switching to LIBOR as the index used to set interest rates on private student loans
- Implemented Instant Credit Review technology for student loan applicants
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