Document:

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                                                                    Exhibit 10.9

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                             BROKER-DEALER AGREEMENT

                                     Between

                      DEUTSCHE BANK TRUST COMPANY AMERICAS

                                as Auction Agent

                                       and

                            SALOMON SMITH BARNEY INC.

                                as Broker-Dealer

                          Dated as of           , 2003
                                      ----------

                                   relating to

                        EDUCATION FUNDING CAPITAL TRUST-I

                           Education Loan Backed Notes
                                  consisting of

           Auction Rate Education Loan Backed Notes, Series 2002A1-12
           Auction Rate Education Loan Backed Notes, Series 2002A1-13

================================================================================

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                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----
RECITALS

1.       DEFINITIONS AND RULES OF CONSTRUCTION.................................1
     1.1.   Terms Defined by Reference to the Indenture........................1
     1.2.   Terms Defined Herein...............................................1
     1.3.   Rules of Construction..............................................2

2.       THE AUCTION...........................................................3
     2.1.   Purpose: Incorporation by Reference of Auction Procedures and
               Settlement Procedures...........................................3
     2.2.   Preparation for Each Auction.......................................3
     2.3.   Auction Schedule: Method of Submission of Orders...................4
     2.4.   Notices............................................................5
     2.5.   Service Charge to Be Paid to the Broker-Dealer.....................5
     2.6    Settlement.........................................................6
     3.1.   Duties and Responsibilities........................................6
     3.2.   Rights of the Auction Agent........................................7
     3.3.   The Auction Agent's Disclaimer.....................................7

4.       MISCELLANEOUS.........................................................7
     4.1.   Termination........................................................7
     4.2.   Participant........................................................7
     4.3.   Communications.....................................................7
     4.4.   Entire Agreement...................................................9
     4.5.   Benefits...........................................................9
     4.6.   Amendment; Waiver..................................................9
     4.7.   Successors and Assigns.............................................9
     4.8.   Severability.......................................................9
     4.9.   Execution in Counterparts..........................................9

5.       GOVERNING LAW.........................................................9

Exhibit A - Settlement Procedures
Exhibit B - Order Form
Exhibit C - Notice of Transfer
Exhibit D - Notice of a Failure to Deliver or Make Payment

                                       i

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                             BROKER-DEALER AGREEMENT

     THIS BROKER-DEALER AGREEMENT (this "Agreement") dated as of           ,
                                                                 ----------
2003 is between DEUTSCHE BANK TRUST COMPANY AMERICAS, a New York banking
corporation (together with its successors and assigns, the "Auction Agent"),
pursuant to authority granted to it in the Auction Agent Agreement (defined
below), acting not in its individual capacity, but solely as agent for EDUCATION
FUNDING CAPITAL TRUST-I, a Delaware business trust, (the "Issuer"), and SALOMON
SMITH BARNEY INC. (together with its successor and assigns, the
"Broker-Dealer").

                                    RECITALS

     The Issuer proposes to cause the Indenture Trustee (defined below) to
authenticate and deliver its Auction Rate Education Loan Backed Notes, Series
2002A1-12 and Series 2002A1-13 (the "Notes"). The Notes are being issued under
an Indenture of Trust dated as of May 1, 2002 (the "Base Indenture") by and
among the Issuer, Fifth Third Bank, an Ohio banking corporation, as Indenture
Trustee (the "Indenture Trustee"), and Fifth Third Bank, as Trust Eligible
Lender Trustee (the "Trust Eligible Lender Trustee"), as supplemented and
amended by a 2002 Series A1&B1 Supplemental Indenture of Trust dated as of
          , 2003 (the "Fourth Supplement" and, together with the Base Indenture,
----------
the "Indenture") by and among the Issuer, the Indenture Trustee, and the Trust
Eligible Lender Trustee.

     The Fourth Supplement provides that the interest rate for each Series of
Notes for each Auction Period (excluding the Initial Period, if any, applicable
to such Series) shall, except as otherwise provided in the Indenture, equal the
Auction Note Interest Rate that the Auction Agent advises has resulted on the
Auction Date from the implementation of the Auction Procedures set forth in
Appendix A to the Fourth Supplement.

     Pursuant to Section 2.9 of the Auction Agent Agreement dated as of
          , 2003 (the "Auction Agent Agreement") among the Indenture Trustee,
----------
the Auction Agent and the Issuer, the Indenture Trustee has consented to the
execution and delivery of this Agreement.

     The Auction Procedures require the participation of one or more
Broker-Dealers.

     NOW, THEREFORE, in consideration of the mutual covenants contained herein
and other good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, the Auction Agent, as agent of the Issuer, and the
Broker-Dealer agree as follows:

     Section 1. Definitions and Rules of Construction.

     1.1. Terms Defined by Reference to the Indenture. Capitalized terms used
herein and not otherwise defined herein shall have the meanings given such terms
in the Indenture.

     1.2. Terms Defined Herein. As used herein and in the Settlement Procedures,
defined below, the following terms shall have the following meanings, unless the
context otherwise requires:

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     "Auction" shall have the meaning specified in Section 2.1 hereof.

     "Auction Procedures" shall mean the Auction Procedures that are set forth
in Appendix A to the Fourth Supplement.

     "Auction Rate" shall mean the Auction Rate as defined in Appendix A to the
Fourth Supplement.

     "Authorized Auction Agent Officer" shall mean, with respect to the Auction
Agent, each Managing Director, Vice President, Assistant Vice President and
Associate of the Auction Agent and every other officer of the Auction Agent
assigned to its Corporate Trust and Agency Group and every other officer or
employee of the Auction Agent designated as an "Authorized Auction Agent
Officer" for purposes of this Agreement in a written communication to the
Broker-Dealer.

     "Broker-Dealer Fee Rate" shall be 0.25% per annum, as may be adjusted from
time to time pursuant to Section 6.5 of the Auction Agent Agreement.

     "Broker-Dealer Officer" shall mean each officer or employee of the
Broker-Dealer designated as a "Broker-Dealer Officer" for purposes of this
Agreement in a written communication to the Auction Agent.

     "Notice of Failure to Deliver or Make Payment" shall mean a notice
substantially in the form of Exhibit D hereto.

     "Notice of Transfer" shall mean a notice substantially in the form of
Exhibit C hereto.

     "Order Form" shall mean the form to be submitted by any Broker-Dealer on or
prior to any Auction Date substantially in the form of Exhibit B hereto.

     "Settlement Procedures" shall mean the Settlement Procedures attached
hereto as Exhibit A.

     1.3. Rules of Construction. Unless the context or use indicate another or
different meaning or intent, the following rules shall apply to the construction
of this Agreement;

     (a) Words importing the singular number shall include the plural number and
vice versa.

     (b) The captions and headings herein are solely for convenience of
reference and shall not constitute a part of this Agreement nor shall they
affect its meaning, construction or effect.

     (c) The words "hereof," "herein," "hereto," and other words of similar
import refer to this Agreement as a whole.

     (d) All references herein to a particular time of day shall be to New York
City time.

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     (e) The rights and duties of the Broker-Dealer and the Auction Agent under
this Agreement shall apply to each Series of the Notes, but separately.
References to "Notes," unless the context clearly contemplates a reference to
all "Notes," shall refer only to a particular Series of Notes as to rights and
duties regarding such Series.

     Section 2. The Auction.

     2.1. Purpose: Incorporation by Reference of Auction Procedures and
Settlement Procedures.

     (a) On each Auction Date, the provisions of the Auction Procedures shall be
followed by the Auction Agent for the purpose of determining the Auction Rate
for each Auction Period after the Initial Period, if any. Each periodic
operation of such procedures is hereinafter referred to as an "Auction".

     (b) All of the provisions contained in the Auction Procedures and the
Settlement Procedures are incorporated herein by reference in their entirety and
shall be deemed to be a part of this Agreement to the same extent as if such
provisions were fully set forth herein.

     (c) The Broker-Dealer and other broker-dealers, as listed on Exhibit A to
the Auction Agent Agreement as it may be amended from time to time, may
participate in Auctions for their own accounts.

     2.2. Preparation for Each Auction.

     (a) Not later than 9:30 a.m. on each Auction Date, the Auction Agent shall
notify the Broker-Dealer by telephone of the All Hold Rate, the Maximum Rate,
the Net Loan Rate and the Applicable LIBOR Rate used in determining such rates,
provided, with respect to notification of the Net Loan Rate, the Administrator
shall have communicated to the Auction Agent the components of the Net Loan Rate
as required by the Fourth Supplement.

     (b) In the event that any day that is scheduled to be an Auction Date shall
be changed after the Auction Agent shall have given notice of such Auction Date
pursuant to clause (vii) of paragraph (a) of the Settlement Procedures, the
Auction Agent, by such means as the Auction Agent deems practicable, shall give
notice of such change to the Broker-Dealer not later than the earlier of 9:15
a.m. on the new Auction Date and 9:15 a.m. on the old Auction Date. Thereafter,
the Broker-Dealer shall use its best efforts to promptly notify its customers
who are Existing Owners of such change in the Auction Date.

     (c) From time to time upon request of the Auction Agent, the Broker-Dealer
shall provide the Auction Agent with a statement of the aggregate amount of each
Series of Notes held by the Broker-Dealer as an Existing Owner for its own
account or otherwise, as well as with a list of the Broker-Dealer's customers
that the Broker-Dealer believes are Existing Owners of any Series of the Notes
(listed by Series) and the aggregate principal amount of each Series of Notes
beneficially owned by each such customer. Except as permitted by Section 2.10 of
the Auction Agent Agreement, the Auction Agent shall keep confidential any such
information and shall not disclose any such information so provided to any
Person other than the Broker-Dealer, the Issuer and the Indenture Trustee,
provided that the Auction Agent reserves the right to disclose any such
information if it is advised by its counsel that its failure to do so would be
unlawful or

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would expose the Auction Agent to liability, loss, claim or damage for which the
Auction Agent has not previously received indemnity reasonably satisfactory to
it. The Auction Agent shall notify the Broker-Dealer, the Issuer and the
Indenture Trustee promptly upon receipt of any request or demand to disclose
such information and shall cooperate with any party seeking a protective order
or similar relief.

     (d) The Auction Agent shall send by telecopy or other means a copy of any
Notice of Notes Outstanding, in substantially the form of Exhibit C to the
Auction Agent Agreement, received from the Indenture Trustee to the
Broker-Dealer in accordance with Section 4.3 hereof.

     2.3. Auction Schedule: Method of Submission of Orders.

     (a) The Auction Agent shall conduct Auctions for the Notes on the Auction
Date in accordance with the schedule set forth below. Pursuant to the Auction
Agent Agreement, such schedule may be changed by the Auction Agent with the
consent of the Indenture Trustee and the Market Agent, which consents are not to
be unreasonably withheld or delayed. Notice of such a change must be given prior
to the close of business on the Business Day preceding the first Auction Date on
which such change shall be effective.

         Time                                   Event

By 9:30 a.m.                 Auction Agent advises the Indenture Trustee and
                             the Broker-Dealers of the Maximum Rate, the Net
                             Loan Rate, the All Hold Rate, and the Applicable
                             LIBOR Rate to be used in determining the Auction
                             Rate under the Auction Procedures and the Auction
                             Agent Agreement.

9:30 a.m.-1:00 p.m.          Auction Agent assembles information communicated
                             to it by Broker-Dealers as provided in the Auction
                             Procedures. Submission Deadline is 1:00 p.m.

Not earlier than 1:00 p.m.   Auction Agent makes determinations pursuant to
                             Section 2.02(a)(iii) of Appendix A to the Fourth
                             Supplement.

Not later than 3:00 p.m.     Auction Agent advises the Indenture Trustee and
                             the Broker-Dealers of the results of the Auction
                             as provided in Section 2.02(a)(iii)(B) and (C) of
                             Appendix A to the Fourth Supplement. Submitted
                             Bids and Submitted Sell Orders are accepted and
                             rejected in whole or in part and principal amounts
                             of the Notes are allocated as provided in the
                             Auction Procedures. Auction Agent gives notice of
                             Auction results as set forth in Section 2.4(a)
                             hereof.

                                       4

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     (b) The Broker-Dealer agrees to maintain a list of Potential Owners and to
contact the Potential Owners on such list on or prior to each Auction Date for
the purposes of participating in the Auction on such Auction Date.

     (c) The Broker-Dealer shall submit Orders to the Auction Agent in writing
by delivering an Order Form. The Broker-Dealer shall submit separate Orders to
the Auction Agent for each Potential Owner or Existing Owner on whose behalf the
Broker-Dealer is submitting an Order and shall not net or aggregate the Orders
of different Potential Owners or Existing Owners on whose behalf the
Broker-Dealer is submitting Orders.

     (d) The Broker-Dealer shall deliver to the Auction Agent (i) a Notice of
Transfer with respect to any transfer of Notes made through the Broker-Dealer by
an Existing Owner to another Person other than pursuant to an Auction, and (ii)
a Notice of Failure to Deliver or Make Payment with respect to the failure of
any Notes to be transferred to or payment to be made by any Person that
purchased or sold Notes through the Broker-Dealer pursuant to an Auction. The
Auction Agent is not required to accept any notice delivered pursuant to the
terms of the foregoing sentence with respect to an Auction unless it is received
by the Auction Agent by 3:00 p.m. on the Business Day next preceding the related
Auction Date.

     (e) Any Broker-Dealer that is an affiliate of the Issuer must submit at the
next Auction therefor a Sell Order covering all Notes held for its own account.
The Auction Agent shall have no duty or liability with respect to monitoring or
enforcing the requirements of this Section 2.3(e).

     (f) The Broker-Dealer agrees to handle its customers' Orders in accordance
with its duties under applicable securities laws and rules.

     2.4. Notices.

     (a) On each Auction Date, the Auction Agent shall notify the Broker-Dealer
by telephone of the results of the Auction as set forth in paragraph (a) of the
Settlement Procedures. If previously requested by the Broker-Dealer, the Auction
Agent shall notify, by 10:30 a.m. on the Business Day immediately following such
Auction Date, the Broker-Dealer in writing of the disposition of all Orders
submitted by the Broker-Dealer in the Auction held on such Auction Date.

     (b) The Broker-Dealer shall notify each Existing Owner or Potential Owner
on whose behalf the Broker-Dealer has submitted an Order as set forth in
paragraph (b) of the Settlement Procedures and take such other action as is
required to be taken by the Broker-Dealer pursuant to the Settlement Procedures.

     (c) Upon receipt, the Auction Agent shall deliver to the Broker-Dealer all
notices and certificates that the Auction Agent is required to deliver to the
Broker-Dealer pursuant to Section 2 of the Auction Agent Agreement at the times
and in the manner set forth in the Auction Agent Agreement.

     2.5. Service Charge to Be Paid to the Broker-Dealer. With respect to each
Auction for which there were Sufficient Bids or all Notes were subject to Hold
Orders, the Auction Agent shall pay to the Broker-Dealer from moneys received
from the Indenture Trustee, not later than

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12:00 noon on each Payment Date following the Interest Period relating to each
Series of Notes placed by the Broker-Dealer in such Auction, when such Interest
Period is shorter than six months, or on the last Business Day of each calendar
quarter, when the Interest Period relating to such Series of Notes is six months
or longer, a fee (the "Broker-Dealer Fee") in cash equal to the product of (i)
the Broker-Dealer Fee Rate times (ii) a fraction, the numerator of which is the
number of days since the later of the Closing Date or the date the Broker-Dealer
Fee was last paid and the denominator of which is 360, times (iii) the aggregate
principal amount of Notes of such Series outstanding since the later of the
Closing Date or the date the Broker-Dealer Fee was last paid.

     2.6. Settlement.

     (a) If any Existing Owner on whose behalf the Broker-Dealer has submitted a
Bid or Sell Order for Notes that was accepted in whole or in part, fails to
instruct its Participant to deliver the Notes subject to such Bid or Sell Order
against payment therefor, the Broker-Dealer shall instruct such Participant to
deliver such Notes against payment therefor and the Broker-Dealer may deliver to
the Potential Owner on whose behalf the Broker-Dealer submitted a Bid that was
accepted in whole or in part, a principal amount of the Notes that is less than
the principal amount of the Notes specified in such Bid to be purchased by such
Potential Owner. Notwithstanding the foregoing terms of this Section, any
delivery or nondelivery of Notes that represents any departure from the results
of an Auction, as determined by the Auction Agent, shall be of no effect unless
and until the Auction Agent shall have been notified of such delivery or
non-delivery in accordance with the terms of Section 2.3(d) hereof. The Auction
Agent shall have no duty or liability with respect to enforcement of this
Section 2.6(a).

     (b) Neither the Auction Agent, the Indenture Trustee, nor the Issuer shall
have any responsibility or liability with respect to the failure of an Existing
Owner, a Potential Owner or its respective Participant to deliver Notes or to
pay for Notes sold or purchased pursuant to the Auction Procedures or otherwise.
The Auction Agent shall have no responsibility for any adjustment to the fees
paid pursuant to Section 2.5 hereof as a result of any failure described in this
Section 2.6(b).

     Section 3. The Auction Agent.

     3.1. Duties and Responsibilities.

     (a) The Auction Agent is acting hereunder solely as agent for the Issuer
and owes no fiduciary duties to any Person by reason of this Agreement.

     (b) The Auction Agent undertakes to perform such duties and only such
duties as are specifically set forth in this Agreement, and no implied covenants
or obligations shall be read into this Agreement against the Auction Agent.

     (c) In the absence of bad faith or negligence on its part, the Auction
Agent shall not be liable for any action taken, suffered, or omitted or for any
error of judgment made by it in the performance of its duties under this
Agreement. The Auction Agent shall not be liable for any error of judgment made
in good faith unless the Auction Agent shall have been negligent in ascertaining
(or failing to ascertain) the pertinent facts.

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     3.2. Rights of the Auction Agent.

     (a) The Auction Agent may rely and shall be protected in acting or
refraining from acting upon any communication authorized by this Agreement and
upon any written instruction, notice, request, direction, consent, report,
certificate, share certificate or other instrument, paper or document believed
by it to be genuine. The Auction Agent shall not be liable for acting upon any
telephone communication authorized by this Agreement that the Auction Agent
believes in good faith to have been given by the Indenture Trustee, a
Broker-Dealer or the Issuer. The Auction Agent may record telephone
communications with the Broker-Dealers.

     (b) The Auction Agent may consult with counsel of its own choice, and the
advice of such counsel shall be full and complete authorization and protection
in respect of any action taken, suffered or omitted by it hereunder in good
faith and in reliance thereon.

     (c) The Auction Agent shall not be required to advance, expend or risk its
own funds or otherwise incur or become exposed to financial liability in the
performance of its duties hereunder.

     (d) The Auction Agent may perform its duties and exercise its rights
hereunder either directly or by or through agents or attorneys and shall not be
responsible for any willful misconduct or negligence on the part of any agent or
attorney appointed by it with due care hereunder.

     3.3. The Auction Agent's Disclaimer. The Auction Agent makes no
representation as to the correctness of the recitals in this Agreement or the
Auction Agent Agreement with respect to other parties thereto or the validity or
adequacy of the Notes.

     Section 4. Miscellaneous.

     4.1. Termination. Any party may terminate this Agreement at any time upon
30 days' prior notice to the other party; provided, however, that if the
Broker-Dealer is Salomon Smith Barney Inc., neither the Broker-Dealer nor the
Auction Agent may terminate this Agreement without first obtaining prior written
consent of the Indenture Trustee and the Issuer to such termination, which
consent shall not be unreasonably withheld or delayed. This Agreement shall
automatically terminate upon the delivery of certificates representing the Notes
pursuant to Section 2.01(c) of the Fourth Supplement, upon the Stated Maturity
of the Notes, or upon termination of the Auction Agent Agreement.

     4.2. Participant. The Broker-Dealer is, and shall remain for the term of
this Agreement, a member of, or Participant in, the Securities Depository (or an
affiliate of such a member or Participant).

     4.3. Communications. Except for (i) communications authorized to be made by
telephone pursuant to this Agreement or the Auction Procedures and (ii)
communications in connection with the Auctions (other than those expressly
required to be in writing), all notices, requests and other communications to
any party hereunder shall be in writing (including facsimile or similar writing)
and shall be given to such party, addressed to it, at its address or facsimile
number set forth below:

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If to the Broker-Dealer            SALOMON SMITH BARNEY INC.
                                   388 Greenwich Street, 35th Floor
                                   New York, New York 10013
                                   Attention: Student Loan Group
                                   Telephone Number: (212) 816-9964
                                   Facsimile Number: (212) 816-0598

If to the Market Agent:            WILLIAM R. HOUGH & CO.
                                   100 Second Avenue South, Suite 800
                                   St. Petersburg, Florida 33701
                                   Attention: Syndicate Desk
                                   Telephone Number: (727) 825-7734
                                   Facsimile Number: (727) 502-3625

If to the Auction Agent:           DEUTSCHE BANK TRUST COMPANY AMERICAS
                                   100 Plaza One, 6th Floor
                                   Jersey City, New Jersey 07311
                                   Telephone: (201) 593-6878
                                   Facsimile: (201) 593-6447

If to the Indenture Trustee:       FIFTH THIRD BANK
                                   Corporate Trust Administration
                                   MD 10AT60
                                   38 Fountain Square Plaza
                                   Cincinnati, OH 45263
                                   Telephone: (513) 534-3367
                                   Facsimile: (513) 534-6785

If to the Issuer:                  EDUCATION FUNDING CAPITAL TRUST-I
                                   c/o Fifth Third Bank
                                   Corporate Trust Administration
                                   MD 10AT60
                                   38 Fountain Square Plaza
                                   Cincinnati, OH 45263
                                   Telephone: (513) 534-3367
                                   Facsimile: (513) 534-6785

with a copy to:
                                   Wilmington Trust Company
                                   Rodney Square North
                                   1100 North Market Street
                                   Wilmington, Delaware 19890-0001
                                   Attention: Corporate Trust Administration
                                   Telephone: (203) 975-6112
                                   Facsimile: (203) 975-6299

or such other address or facsimile number as such party may hereafter specify
for such purpose by notice to the other party. Each such notice, request or
communication shall be effective when

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<PAGE>

delivered at the address specified herein. Communications shall be given on
behalf of the Broker-Dealer by a Broker-Dealer Officer and on behalf of the
Auction Agent by an Authorized Auction Agent Officer. The Broker-Dealer may
record telephone communications with the Auction Agent.

     4.4. Entire Agreement. This Agreement contains the entire agreement between
the parties relating to the subject matter hereof, and there are not other
representations, endorsements, promises, agreements or understandings, oral,
written or inferred, between the parties relating to the subject matter hereof.

     4.5. Benefits. Nothing in this Agreement, express or implied, shall give to
any Person, other than the Auction Agent, the Broker-Dealer and the Issuer and
their respective successors and assigns, any benefit of any legal or equitable
right, remedy or claim under this Agreement.

     4.6. Amendment; Waiver.

     (a) This Agreement shall not be deemed or construed to be modified,
amended, rescinded, canceled or waived, in whole or in part, except by a written
instrument signed by a duly authorized representative of the parties hereto.
This Agreement may not be amended without first obtaining the prior written
consent of the Issuer.

     (b) Failure of either party to this Agreement to exercise any right or
remedy hereunder in the event of a breach of this Agreement by the other party
shall not constitute a waiver of any such right or remedy with respect to any
subsequent breach.

     4.7. Successors and Assigns. This Agreement shall be binding upon, inure to
the benefit of, and be enforceable by, the respective successors and assigns of
each of the Broker-Dealer and the Auction Agent.

     4.8. Severability. If any clause, provision or section of this Agreement
shall be ruled invalid or unenforceable by any court of competent jurisdiction,
the invalidity or unenforceability of such clause, provision or section shall
not affect any remaining clause, provision or section hereof.

     4.9. Execution in Counterparts. This Agreement may be executed in several
counterparts, each of which shall be an original and all of which shall
constitute but one and the same instrument.

     Section 5. Governing Law.

     This Agreement shall be governed by and construed in accordance with the
laws of the State of New York applicable to agreements made and to be performed
in such State.

      [remainder of page intentionally left blank; signature page follows]

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     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and delivered by their proper and duly authorized officers and
effective as of the date first written above.

                                   DEUTSCHE BANK TRUST COMPANY
                                   AMERICAS, as Auction Agent

                                   By:
                                      ------------------------------------------
                                   Title:
                                         ---------------------------------------

                                   SALOMON SMITH BARNEY INC.,
                                   as Broker-Dealer

                                   By:
                                      ------------------------------------------
                                   Title:
                                         ---------------------------------------

Acknowledged and Agreed to:

EDUCATION FUNDING CAPITAL TRUST-I,
as Issuer, by Fifth Third Bank, not in its
individual capacity, but solely as Co-Owner
Trustee on behalf of the Issuer

By:
   --------------------------------
Title:
      -----------------------------

Consented to:

FIFTH THIRD BANK, as Indenture Trustee

By:
   --------------------------------
Title:
      -----------------------------

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                      EXHIBIT A TO BROKER-DEALER AGREEMENT

                              SETTLEMENT PROCEDURES

     If not otherwise defined below, capitalized terms used herein shall have
the meanings given such terms in Appendix A to the Fourth Supplement. These
Settlement Procedures apply separately to each Series of Auction Rate Notes.

     (a) On each Auction Date, not later than 3:00 p.m., the Auction Agent shall
notify by telephone each Broker-Dealer that participated in the Auction held on
such Auction Date and submitted an Order on behalf of an Existing Owner or
Potential Owner of:

               (i) the Auction Note Interest Rate fixed for the next Interest
Period;

               (ii) whether there were Sufficient Bids in such Auction;

               (iii) if such Broker-Dealer (a "Seller's Broker-Dealer")
submitted Bids or Sell Orders on behalf of an Existing Owner, whether such Bid
or Sell Order was accepted or rejected, in whole or in part, and the principal
amount of Auction Rate Notes, if any, to be purchased or sold by such Existing
Owner;

               (iv) if such Broker-Dealer (a "Buyer's Broker-Dealer") submitted
a Bid on behalf of a Potential Owner, whether such Bid was accepted or rejected,
in whole or in part, and the principal amount of Auction Rate Notes, if any, to
be purchased by such Potential Owner;

               (v) if the aggregate amount of Auction Rate Notes to be sold by
all Existing Owners on whose behalf such Seller's Broker-Dealer submitted Bids
or Sell Orders exceeds the aggregate principal amount of Auction Rate Notes to
be purchased by all Potential Owners on whose behalf such Buyer's Broker-Dealer
submitted a Bid, the name or names of one or more Buyer's Broker-Dealers (and
the name of the Participant, if any, of each such Buyer's Broker-Dealer) acting
for one or more purchasers of such excess principal amount of Auction Rate Notes
and the principal amount of Auction Rate Notes to be purchased from one or more
Existing Owners on whose behalf such Seller's Broker-Dealer acted by one or more
Potential Owners on whose behalf each of such Buyer's Broker-Dealers acted;

               (vi) if the principal amount of Auction Rate Notes to be
purchased by all Potential Owners on whose behalf such Buyer's Broker-Dealer
submitted a Bid exceeds the amount of Auction Rate Notes to be sold by all
Existing Owners on whose behalf such Seller's Broker-Dealer submitted a Bid or a
Sell Order, the name or names of one or more Seller's Broker-Dealers (and the
name of the Participant, if any, of each such Seller's Broker-Dealer) acting for
one or more sellers of such excess principal amount of Auction Rate Notes and
the principal amount of Auction Rate Notes to be sold to one or more Potential
Owners on whose behalf such Buyer's Broker-Dealer acted by one or more Existing
Owners on whose behalf each of such Seller's Broker-Dealers acted;

                                      A-1

<PAGE>

               (vii) the Auction Date for the next succeeding Auction.

     (b) On each Auction Date, each Broker-Dealer that submitted an Order on
behalf of any Existing Owner or Potential Owner shall:

               (i) advise each Existing Owner and Potential Owner on whose
behalf such Broker-Dealer submitted a Bid or Sell Order in the Auction on such
Auction Date whether such Bid or Sell Order was accepted or rejected, in whole
or in part;

               (ii) in the case of a Broker-Dealer that is a Buyer's
Broker-Dealer, advise each Potential Owner on whose behalf such Buyer's
Broker-Dealer submitted a Bid that was accepted, in whole or in part, to
instruct such Potential Owner's Participant to pay to such Buyer's Broker-Dealer
(or its Participant) through the Securities Depository the amount necessary to
purchase the principal amount of Auction Rate Notes to be purchased pursuant to
such Bid against receipt of such Auction Rate Notes;

               (iii) in the case of a Broker-Dealer that is a Seller's
Broker-Dealer, instruct each Existing Owner on whose behalf such Seller's
Broker-Dealer submitted a Sell Order that was accepted, in whole or in part, or
a Bid that was accepted, in whole or in part, to instruct such Existing Owner's
Participant to deliver to such Seller's Broker-Dealer (or its Participant)
through the Securities Depository the principal amount of Auction Rate Notes to
be sold pursuant to such Order against payment therefor;

               (iv) advise each Existing Owner on whose behalf such
Broker-Dealer submitted an Order and each Potential Owner on whose behalf such
Broker-Dealer submitted a Bid of the Auction Note Interest Rate for the next
Interest Period;

               (v) advise each Existing Owner on whose behalf such Broker-Dealer
submitted an Order of the next Auction Date; and

               (vi) advise each Potential Owner on whose behalf such
Broker-Dealer submitted a Bid that was accepted, in whole or in part, of the
next Auction Date.

     (c) On the basis of the information provided to it pursuant to paragraph
(a) above, each Broker-Dealer that submitted a Bid or Sell Order in an Auction
is required to allocate any funds received by it in connection with such Auction
pursuant to paragraph (b)(ii) above, and any Auction Rate Notes received by it
in connection with such Auction pursuant to paragraph (b)(iii) above among the
Potential Owners, if any, on whose behalf such Broker-Dealer submitted Bids, the
Existing Owners, if any, on whose behalf such Broker-Dealer submitted Bids or
Sell Orders in such Auction, and any Broker-Dealers identified to it by the
Auction Agent following such Auction pursuant to paragraph (a)(v) or (a)(vi)
above.

     (d) On each Auction Date:

               (i) each Potential Owner and Existing Owner with an Order in the
Auction on such Auction Date shall instruct its Participant as provided in
(b)(ii) or (b)(iii) above, as the case may be;

                                      A-2

<PAGE>

               (ii) each Seller's Broker-Dealer that is not a Participant of the
Securities Depository shall instruct its Participant (A) pay through the
Securities Depository to the Participant of the Existing Holder delivering
Auction Rate Notes to such Broker-Dealer following such Auction pursuant to
paragraph (b)(ii) above the amount necessary to purchase such Auction Rate Notes
against receipt of such Auction Rate Notes and (B) deliver such Auction Rate
Notes through the Securities Depository to a Buyer's Broker-Dealer (or its
Participant) identified to such Seller's Broker-Dealer pursuant to (a)(v) above
against payment therefor; and

               (iii) each Buyer's Broker-Dealer that is not a Participant of the
Securities Depository shall instruct its Participant to pay through the
Securities Depository to a Seller's Broker-Dealer (or its Participant)
identified following such Auction pursuant to (a)(vi) above the amount necessary
to purchase Auction Rate Notes to be purchased pursuant to (b)(ii) above against
receipt of such Auction Rate Notes.

     (e) On the Business Day following each Auction Date:

               (i) each Participant for a Bidder in the Auction on such Auction
Date referred to in (d)(i) above shall instruct the Securities Depository to
execute the transactions described under (b)(ii) or (b)(iii) above for such
Auction, and the Securities Depository shall execute such transactions;

               (ii) each Seller's Broker-Dealer or its Participant shall
instruct the Securities Depository to execute the transactions described in
(d)(ii) above for such Auction, and the Securities Depository shall execute such
transactions; and

               (iii) each Buyer's Broker-Dealer or its Participant shall
instruct the Securities Depository to execute the transactions described in
(d)(iii) above for such Auction, and the Securities Depository shall execute
such transactions.

     (f) If an Existing Owner selling Auction Rate Notes in an Auction fails to
deliver such Auction Rate Notes (by authorized book-entry), a Broker-Dealer may
deliver to the Potential Owner on behalf of which it submitted a Bid that was
accepted a principal amount of Auction Rate Notes that is less than the
principal amount of Auction Rate Notes that otherwise was to be purchased by
such Potential Owner. In such event, the principal amount of Auction Rate Notes
to be so delivered shall be determined solely by such Broker-Dealer. Delivery of
such lesser principal amount of Auction Rate Notes shall constitute good
delivery. Notwithstanding the foregoing terms of this paragraph (f), any
delivery or nondelivery of Auction Rate Notes that shall represent any departure
from the results of an Auction, as determined by the Auction Agent, shall be of
no effect unless and until the Auction Agent shall have been notified of such
delivery or nondelivery in accordance with the provisions of the Auction Agent
Agreement and the Broker-Dealer Agreements. Neither the Indenture Trustee nor
the Auction Agent shall have any responsibility or liability with respect to the
failure of a Potential Owner, Existing Owner or their respective Broker-Dealer
or Participant to take delivery of or deliver, as the case may be, the principal
amount of Auction Rate Notes or to pay for the Auction Rate Notes purchased or
sold pursuant to an Auction or otherwise.

                                      A-3

<PAGE>

                      EXHIBIT B TO BROKER-DEALER AGREEMENT

                        EDUCATION FUNDING CAPITAL TRUST-I

           Auction Rate Education Loan Backed Notes, Series 2002A1-12
           Auction Rate Education Loan Backed Notes, Series 2002A1-13

                                   ORDER FORM

                                                                  [Auction Date]
                                                                  Series
                                                                         -------

          The undersigned Broker-Dealer submits the following orders on behalf
of the Bidder(s) indicated below:

                             BIDS BY EXISTING OWNERS

                      PRINCIPAL AMOUNT OF
                       NOTES ($50,000 OR
                      INTEGRAL MULTIPLES
    EXISTING OWNER*        THEREOF)             BID RATE
    ---------------        --------             --------
1.
    ---------------   -------------------   -----------------
2.
    ---------------   -------------------   -----------------
3.
    ---------------   -------------------   -----------------
4.
    ---------------   -------------------   -----------------
5.
    ---------------   -------------------   -----------------
6.
    ---------------   -------------------   -----------------
7.
    ---------------   -------------------   -----------------
8.
    ---------------   -------------------   -----------------
9.
    ---------------   -------------------   -----------------
10.
    ---------------   -------------------   -----------------

* Existing Owners may be described by name or other reference as determined in
the sole discretion of the Broker-Dealer.

                                      B-1

<PAGE>

                        EDUCATION FUNDING CAPITAL TRUST-I

           Auction Rate Education Loan Backed Notes, Series 2002A1-12
           Auction Rate Education Loan Backed Notes, Series 2002A1-13

                            BIDS BY POTENTIAL OWNERS

                           PRINCIPAL
                           AMOUNT OF
                       NOTES ($50,000 OR
                            INTEGRAL
                            MULTIPLES
    POTENTIAL OWNER*        THEREOF)           BID RATE           SERIES
    ----------------        --------           --------           ------
1.
    ----------------   -----------------   ----------------   ---------------
2.
    ----------------   -----------------   ----------------   ---------------
3.
    ----------------   -----------------   ----------------   ---------------
4.
    ----------------   -----------------   ----------------   ---------------
5.
    ----------------   -----------------   ----------------   ---------------
6.
    ----------------   -----------------   ----------------   ---------------
7.
    ----------------   -----------------   ----------------   ---------------
8.
    ----------------   -----------------   ----------------   ---------------
9.
    ----------------   -----------------   ----------------   ---------------
10.
    ----------------   -----------------   ----------------   ---------------
11.
    ----------------   -----------------   ----------------   ---------------
12.
    ----------------   -----------------   ----------------   ---------------
13.
    ----------------   -----------------   ----------------   ---------------
14.
    ----------------   -----------------   ----------------   ---------------
15.
    ----------------   -----------------   ----------------   ---------------

NOTES:

1.   If one or more Orders covering in the aggregate more than the outstanding
     principal amount of Notes held by any Existing Owner are submitted, such
     Orders shall be considered valid in the order of priority set forth in the
     Auction Procedures.

2.   A Hold or Sell Order may be placed only by an Existing Owner covering a
     principal account of Notes not greater than the principal amount currently
     held by such Existing Owner.

3.   Potential Owners may only make Bids, each of which must specify a rate. If
     more than one Bid is submitted on behalf of any Potential Owner, each Bid
     submitted shall be a separate Bid with the rate specified.

4.   Bids may contain no more than three figures to the right of the decimal
     point (.001 of 1%).

5.   An order must be submitted in principal amounts of $50,000 or integral
     multiples thereof.

                                      B-2

<PAGE>

*Potential Owners may be described by name or other reference as determined in
the sole discretion of the Broker-Dealer.

NAME OF BROKER-DEALER:
                      ----------------------------------------------------------

AUTHORIZED SIGNATURE:
                     -----------------------------------------------------------

TOTAL NUMBER OF ORDERS ON THIS ORDER FORM:
                                          --------------------------------------

Submit to:   Deutsche Bank Trust Company Americas
             100 Plaza One, 6th Floor
             Jersey City, New Jersey 07311
             Telephone: (201) 593-6878
             Facsimile: (201) 593-6447

                                      B-3

<PAGE>

                      EXHIBIT C TO BROKER-DEALER AGREEMENT

                        EDUCATION FUNDING CAPITAL TRUST-I

           Auction Rate Education Loan Backed Notes, Series 2002A1-12
           Auction Rate Education Loan Backed Notes, Series 2002A1-13

                               NOTICE OF TRANSFER

                       (To be used only for transfers made
                       other than pursuant to an Auction)
We are (check one)

     the Existing Owner indicated below*; or

     the Broker-Dealer for such Existing Owner; or

     the Participant for such Existing Owner.

We hereby notify you that such Existing Owner has transferred $___________ (must
be in units of $50,000 or integral multiples thereof) of Series        Notes to
                                                                ------

------------------------

                                      (Existing Owner)

                                      (Name of Broker-Dealer)

                                      (Name of Participant)

                                      By:
                                         ---------------------------------------
                                      Printed Name:
                                                   -----------------------------
                                      Title:
                                            ------------------------------------

*Existing Owners may be described by name or other reference as determined in
the sole discretion of the Broker-Dealer.

                                      C-1

<PAGE>

                      EXHIBIT D TO BROKER-DEALER AGREEMENT

                        EDUCATION FUNDING CAPITAL TRUST-I

           Auction Rate Education Loan Backed Notes, Series 2002A1-12
           Auction Rate Education Loan Backed Notes, Series 2002A1-13

                  NOTICE OF FAILURE TO DELIVER OR MAKE PAYMENT

COMPLETE EITHER I OR II.

     I.   We are a Broker-Dealer for         * (the "Purchaser"), which
                                     --------
          purchased $________________ (must be in units of $50,000 or integral
          multiples thereof) of the Series       Notes in the Auction held on
                                           -----
                            from the seller of such Series        Notes.
          -----------------                                ------

     II.  We are a Broker-Dealer for             * (the "Seller"), which sold
                                     ------------
          $__________________ (must be in units of $50,000 or integral multiples
          thereof) of the Series       Notes in the Auction held on
                                 -----
                                to the purchaser of such Series          Notes.
          ---------------------                                 --------

We hereby notify you that (check one)-

          the Seller failed to deliver such Series          Notes to the
                                                   --------
          Purchaser.

          the Purchaser failed to make payment to the Seller upon delivery of
          such Series           Notes.
                      ---------

                                      (Name of Broker-Dealer)

                                      By:
                                         ---------------------------------------
                                      Name:
                                           -------------------------------------
                                      Title:
                                            ------------------------------------

----------
* May be described by name or reference and as determined in the sole discretion
of the Broker-Dealer.

                                      D-1<PAGE>

                                                                   Exhibit 10.10

================================================================================

                             MARKET AGENT AGREEMENT

                                 by and between

                             WILLIAM R. HOUGH & CO.
                                as Market Agent,

                        EDUCATION FUNDING CAPITAL TRUST-I
                                    as Issuer

                                       and

                                FIFTH THIRD BANK
                              as Indenture Trustee

                          Dated as of           , 2003
                                      ----------

                                   relating to

                        Education Funding Capital Trust-I

                   $1,023,000,000 Education Loan Backed Notes
                                  consisting of

                    Auction Rate Education Loan Backed Notes,
               Series 2002A1-1, Series 2002A1-2, Series 2002A1-3,
               Series 2002A1-4, Series 2002A1-5, Series 2002A1-6,
               Series 2002A1-7, Series 2002A1-8, Series 2002A1-9,
              Series 2002A1-10, Series 2002A1-11, Series 2002A1-12,
               Series 2002A1-13, Series 2002B1-1, Series 2002B1-2

================================================================================

<PAGE>

                             MARKET AGENT AGREEMENT

     THIS MARKET AGENT AGREEMENT (this "Agreement") dated as of           , 2003
                                                                ----------
is by and among WILLIAM R. HOUGH & CO. ("WRH"), EDUCATION FUNDING CAPITAL
TRUST-I (the "Issuer") and FIFTH THIRD BANK, as Indenture Trustee (the
"Indenture Trustee"), and provides for WRH to act as the Market Agent as
provided for and defined in the Indenture of Trust dated May 1, 2002 among the
Issuer, the Indenture Trustee and Fifth Third Bank, as Trust Eligible Lender
Trustee (the "Trust Eligible Lender Trustee") (as heretofore amended and
supplemented, the "Base Indenture"), as supplemented by the 2002 Series A1&B1
Supplemental Indenture of Trust dated as of           , 2003 (the "Fourth
                                            ----------
Supplement", and together with the Base Indenture, the "Indenture") among the
Issuer, the Indenture Trustee and the Trust Eligible Lender Trustee, which
provides for the issuance of the Issuer's Auction Rate Education Loan Backed
Notes, Series 2002A1-1 Notes, Series 2002A1-2 Notes, Series 2002A1-3 Notes,
Series 2002A1-4 Notes, Series 2002A1-5 Notes, Series 2002A1-6 Notes, Series
2002A1-7 Notes, Series 2002A1-8 Notes, Series 2002A1-9 Notes, Series 2002A1-10
Notes, Series 2002A1-11 Notes, Series 2002A1-12 Notes, Series 2002A1-13 Notes,
Series 2002B1-1 and Series 2002B1-2 Notes (the "Notes"). All capitalized terms
used herein and not defined herein shall have the meanings set forth in the
Indenture.

     1. Appointment of Market Agent; Responsibilities of Market Agent. Subject
to the terms and conditions herein contained, the Issuer hereby appoints WRH as
the Market Agent for the Notes, and WRH hereby accepts such appointment as
Market Agent for the Notes with respect to the duties of the Market Agent set
forth in the Fourth Supplement. In its capacity as Market Agent for the Notes,
WRH shall perform the duties set forth for the Market Agent in the Fourth
Supplement, including but not limited to, (a) consenting to any change in the
length of an Auction Period, as set forth in Section 2.02(g) of Appendix A to
the Fourth Supplement, (b) specifying a change in any Auction Date as set forth
in Section 2.02(h) of Appendix A to the Fourth Supplement, and (c) providing
notification of such matters to the Issuer, the Indenture Trustee, the Auction
Agent, each Rating Agency or the Securities Depository, as provided in the
Fourth Supplement. The Market Agent shall be obligated to perform only such
duties as are specifically set forth in the Fourth Supplement with respect to
the Notes and no other duties or obligations on the part of the Market Agent, in
its capacity as such, shall be implied by this Agreement. The Market Agent may
rely upon, and is authorized to honor, any telephonic requests or directions
that the Market Agent reasonably believes in good faith to emanate from an
authorized representative of the Issuer, regardless of the source of such
request or direction. Any telephonic request or direction to the Market Agent
shall promptly be confirmed in writing; provided, however, that failure to
receive any such notice shall not affect the authority of the Market Agent to
rely and act upon such request or direction.

     2. Conditions to Market Agent's Obligations. The obligations of WRH under
this Agreement have been undertaken in reliance on, and shall be subject to, the
due performance by the Issuer of its obligations and agreements to be performed
hereunder and under the Indenture.

     3. Term and Termination of Market Agent Agreement. This Agreement shall
become effective upon           , 2003 and shall continue in full force and
                      ----------
effect up to and

                                       2

<PAGE>

including the earlier of June 1, 2042 or such date when no Notes are
outstanding, subject to the right of WRH or the Issuer to cancel this Agreement
at any time upon the giving of not less than 30 days prior written notice,
provided that such resignation or replacement, as the case may be, shall not be
effective until the appointment of a successor Market Agent by the Issuer and
the acceptance of such appointment by such successor Market Agent. WRH agrees
and the Issuer agrees to send a copy of any notice of termination of this
Agreement to the Indenture Trustee at its address referred to below.

     4. Payment of Fees. In consideration of the services to be performed by WRH
under this Agreement, it is understood and agreed that the Issuer shall pay to
WRH for services performed an annual fee equal to $1.00, to be paid on the date
of issuance of the Notes and on the first Business Day of each June thereafter,
commencing June 2003. It is understood and agreed that the payment of the fees
referred to herein shall be made without further notice from WRH.

     5. Miscellaneous.

          (a) Except as otherwise specifically provided in this Agreement, all
     notices, demands and formal actions under this Agreement shall be in
     writing and mailed, telegraphed or delivered to:

     WRH:                                        Indenture Trustee:

     WILLIAM R. HOUGH & CO.                      FIFTH THIRD BANK
     100 Second Avenue South, Suite 800          Corporate Trust Administration
     St. Petersburg, Florida 33701               MD 10AT60
     Attention: Syndicate Desk                   38 Fountain Square Plaza
     Telephone Number: (727) 825-7734            Cincinnati, OH  45263
     Facsimile Number: (727) 502-3625            Telephone: (513) 534-3367
                                                 Facsimile: (513) 534-6785
     Issuer:

     EDUCATION FUNDING CAPITAL TRUST-I
     c/o Fifth Third Bank
     Corporate Trust Administration
     MD 10AT60
     38 Fountain Square Plaza
     Cincinnati, OH  45263
     Telephone: (513) 534-3367
     Facsimile: (513) 534-6785

     with a copy to:

     Wilmington Trust Company
     Rodney Square North
     1100 North Market Street

                                       3

<PAGE>

     Wilmington, Delaware 19890-0001
     Attention: Corporate Trust Administration
     Telephone: (203) 975-6112
     Facsimile: (203) 975-6299

     WRH, the Issuer or the Indenture Trustee may designate, by written notice
given under this Agreement, other addresses to which subsequent notices,
requests, reports or other communications shall be directed.

     (b) This Agreement will inure to the benefit of and be binding upon the
Issuer, WRH, and the Indenture Trustee, and their respective successors and
assigns, and will not confer any rights upon any other Person other than
Persons, if any, controlling WRH, within the meaning of the Securities Act of
1933, as amended; provided, however, that this Agreement shall not be assignable
by any party hereto (except the Indenture Trustee in the event of its
resignation or removal as indenture trustee under the Indenture) without the
prior written consent of the other parties hereto.

     (c) Notwithstanding anything to the contrary herein or in the Indenture,
any obligation of the Issuer created by or arising out of this Agreement shall
be a limited obligation of the Issuer, payable from the Trust Estate available
therefor under and in accordance with the Indenture and shall not constitute a
charge against the general credit of the Issuer.

     (d) Section headings have been inserted in this Agreement as a matter of
convenience of reference only, and it is agreed that such section headings are
not a part of this Agreement and will not be used in the interpretation of any
provisions of this Agreement.

     (e) If any provision of this Agreement shall be held or deemed to be or
shall, in fact, be invalid, inoperative or unenforceable as applied in any
particular case in any jurisdiction because it conflicts with any provisions of
any constitution, statute, rule of public policy, or any other reason, such
circumstances shall not have the effect of rendering the provision in question
invalid, inoperative or unenforceable in any other case or circumstance, or of
rendering any other provision or provisions of this Agreement invalid,
inoperative or unenforceable to any extent whatever.

     (f) This Agreement may be executed in several counterparts, each of which
shall be regarded as an original and all of which shall constitute one and the
same document.

     (g) This Agreement shall be governed by and construed in accordance with
the laws of the State of Ohio.

                                       4

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and delivered by their proper and duly authorized officers as of
the date first above written.

                                        EDUCATION FUNDING CAPITAL TRUST-I,
                                        as Issuer, by Fifth Third Bank, not in
                                        its individual capacity, but solely as
                                        Co-Owner Trustee on behalf of the Issuer

                                        By:
                                           -------------------------------------
                                        Name:
                                        Title:

                                        FIFTH THIRD BANK, as Indenture Trustee

                                        By:
                                           -------------------------------------
                                        Name:
                                        Title:

                                        WILLIAM R. HOUGH & CO., as Market Agent

                                        By:
                                           -------------------------------------
                                        Name:
                                        Title:

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