Document:

<PAGE>

                                                                     EXHIBIT 4.4

                           Broker-Dealer Agreement dated as of September 1, 2002

                             BROKER-DEALER AGREEMENT

                                     BETWEEN

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                AS AUCTION AGENT

                                       AND

                           SALOMON SMITH BARNEY INC.,
                                AS BROKER-DEALER

                          DATED AS OF SEPTEMBER 1, 2002

                                   RELATING TO

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                           SENIOR SERIES 2002-1A AND B
                                       AND
                           SUBORDINATE SERIES 2002-1C

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                             BROKER-DEALER AGREEMENT

          This BROKER-DEALER AGREEMENT (the "Broker Dealer Agreement"), dated as
of September 1, 2002, is by and 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 Loans Incorporated (the "Corporation"), a Delaware
corporation and SALOMON SMITH BARNEY INC. (together with its respective
successors and assigns, the "Broker-Dealer").

                                    RECITALS

          The Corporation proposes to cause the Trustee, defined below, to
authenticate and deliver $82,700,000 aggregate principal amount of its Student
Loan Asset-Backed Notes, Senior Series 2002-1A (the "Series 2002-1A Notes"),
$82,700,000 aggregate principal amount of its Student Loan Asset-Backed Notes,
Senior Series 2002-1B (the "Series 2002-1B Notes", and together with the Series
2002-1A Notes, the "Series 2002-1 Senior Notes"), and $24,500,000 aggregate
principal amount of its Student Loan Asset-Backed Notes, Subordinate Series
2002-1C (the "Series 2002-1C Notes", and together with the Series 2002-1 Senior
Notes, the "Series 2002-1 Notes"). The Series 2002-1 Notes are being issued
under the Fourth Supplemental Indenture of Trust, dated as of September 1, 2002
(the "Fourth Supplemental Indenture"), executed in accordance with the Indenture
of Trust, dated as of December 1, 1999 (the "Indenture"), each between the
Corporation and U.S. Bank National Association, Minneapolis, Minnesota (together
with its successors and assigns, the "Trustee"). The Series 2002-1 Notes are
being issued as adjustable rate securities.

          The Fourth Supplemental Indenture provides that the Series 2002-1 Note
Auction Rate for each Interest Period after the Initial Interest Period shall
equal the lesser of the Net Loan Rate and the Auction Rate, but in no event
shall exceed 18% per annum with respect to the Series 2002-1 Notes.

          Pursuant to Section 2.9(a) of the Auction Agent Agreement, dated as of
September 1, 2002, among the Trustee, the Auction Agent and the Corporation (the
"Auction Agent Agreement"), the Trustee has directed the Auction Agent to
execute and deliver this Broker-Dealer 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 Corporation,
and the Broker-Dealer agree as follows:

          Section 1. Definitions and Rules of Construction

          1.1. Terms Defined by Reference to the Fourth Supplemental Indenture

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                           Broker-Dealer Agreement dated as of September 1, 2002

          Capitalized terms used herein and not otherwise defined herein shall
have the meanings given such terms in the Fourth Supplemental 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:

          "Applicable Series 2002-1 Note Auction Rate" shall mean the Series
2002-1 Note Auction Rate as defined in the Fourth Supplemental Indenture.

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

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

          "Beneficial Owner" shall mean a beneficial owner of any of the Series
2002-1 Notes.

          "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.

                                      -2-

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                           Broker-Dealer Agreement dated as of September 1, 2002

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

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

          (e)  The rights and duties of the Broker-Dealer and the Auction Agent
under this Broker-Dealer Agreement shall apply to all series of the Series
2002-1 Notes, but separately. References to "Series 2002-1 Notes," unless the
context clearly contemplates a reference to all Series 2002-1 Notes, shall refer
only to the Series 2002-1A Notes as to rights and duties regarding Series
2002-1A Notes; only to the Series 2002-1B Notes as to rights and duties
regarding Series 2002-1B Notes; and only to the Series 2002-1C Notes as to
rights and duties regarding Series 2002-1C Notes.

          Section 2. The Auction

          2.1. Incorporation by Reference of Auction Procedures and Settlement
               Procedures

          (a)  On each Auction Date, the provisions of the Auction Procedures
will be followed by the Auction Agent for the purpose of determining the
Applicable Series 2002-1 Note Auction Rate for each Auction Period after the
Initial Interest Period. 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 Broker-Dealer Agreement to the same extent
as if such provisions were fully set forth herein.

          (c)  The Broker-Dealer and other Broker-Dealers 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 for the Series
2002-1 Notes, the Auction Agent shall advise the Broker-Dealer by telephone of
the All Hold Rate, the Maximum Auction Rate, the Net Loan Rate and the One-month
LIBOR or the Three-month LIBOR, as the case may be.

          (b)  If the Auction Date for any Auction shall be changed after the
Auction Agent has given notice of such Auction Date pursuant to clause (vii) of
paragraph (a) of the Settlement Procedures, the Auction Agent, by telephone
(confirmed in writing), telecopy or such other 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 Holders of such change in the
Auction Date.

                                      -3-

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                           Broker-Dealer Agreement dated as of September 1, 2002

          (c)  From time to time upon request of the Auction Agent pursuant to
Section 2.2(d) of the Auction Agent Agreement, the Broker-Dealer shall provide
the Auction Agent with a statement of the aggregate amount of each series of
Series 2002-1 Notes held by the Broker-Dealer as an Existing Holder 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 Holders of either series of the
Series 2002-1 Notes (listed by series) and the aggregate principal amount of
each series of Series 2002-1 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 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 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 Corporation and the 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 Series 2002-1 Notes Outstanding received from the 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 Series 2002-1
Notes in accordance with the schedule set forth below. Such schedule may be
changed by the Auction Agent with the consent of the Trustee and the Market
Agent, which consent shall not be unreasonably withheld or delayed. The Auction
Agent shall give written notice of any such change to the Broker-Dealer. Such
notice shall be given prior to the close of business on the Business Day next
preceding the first Auction Date on which any such change shall be effective.

By 9:30 A.M.                  The Auction Agent advises the Trustee and the
                              Broker-Dealers of the Maximum Auction Rate, the
                              All Hold Rate, the Net Loan Rate and the One-month
                              LIBOR or the Three-month LIBOR, as the case may
                              be, to be used in determining the Auction Rate
                              under the Auction Procedures, the Fourth
                              Supplemental Indenture and the Auction Agent
                              Agreement.

9:30 A.M. - 1:00 P.M          The Auction Agent assembles information
                              communicated to it by Broker-Dealers as provided
                              in Section 4(c)(i) of the Fourth Supplemental
                              Indenture. The Submission Deadline is 12:30 P.M.

                                      -4-

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                           Broker-Dealer Agreement dated as of September 1, 2002

Not earlier than 1:00 P.M.    The Auction Agent makes determinations pursuant to
                              Section 4(c)(i) of the Fourth Supplemental
                              Indenture. Submitted Bids and Submitted Sell
                              Orders are accepted and rejected in whole or in
                              part and Series 2002-1 Notes allocated as provided
                              in Section 4(d) of the Fourth Supplemental
                              Indenture.

By approximately              The Auction Agent advises the Trustee and the
3:00 P.M.*                    Broker-Dealers of the results of the Auction as
4:00 P.M.**                   provided in Section 4(c)(ii) of the Fourth
                              Supplemental Indenture. The Auction Agent gives
                              notice of Auction results as set forth in Section
                              2.4(a) hereof.

*If the Series 2002-1 Note Auction Rate is the Auction Rate.

**If the Series 2002-1 Note Auction Rate is the Net Loan Rate.

          (b)  The Broker-Dealer agrees to contact Potential Holders 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 Holder or Existing Holder on
whose behalf the Broker-Dealer is submitting an Order and shall not net or
aggregate the Orders of different Potential Holders or Existing Holders 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 Series 2002-1 Notes made through the
Broker-Dealer by an Existing Holder 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 Series 2002-1 Notes to be transferred to or payment to be
made by any person that purchased or sold Series 2002-1 Notes through the
Broker-Dealer pursuant to a prior Auction. The Auction Agent is not required to
accept any notice delivered pursuant to clauses (i) or (ii) of this subparagraph
(d) with respect to an Auction unless it is received by the Auction Agent by
3:00 P.M. on the Business Day next preceding such Auction Date.

          (e)  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. The Auction Agent shall by 10:30
A.M. on the Business Day next succeeding such Auction Date if previously
requested by the Broker-Dealer notify the Broker-Dealer in writing of

                                      -5-

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                           Broker-Dealer Agreement dated as of September 1, 2002

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 Holder or Potential
Holder 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 by the Broker-Dealer pursuant to the Settlement Procedures.

          (c)  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 series of the Series 2002-1 Notes, not later than
2:00 P.M. on each Interest Payment Date relating to such series, with respect to
the Interest Period commencing on such Interest Payment Date, the Auction Agent
shall pay to the Broker-Dealer a fee, from monies received from the Trustee, in
an amount 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 in such Interest
Period and the denominator of which is 360, times (iii) the aggregate principal
amount of Series 2002-1 Notes of such series that will be outstanding at the
close of business on such Interest Payment Date.

          2.6. Settlement

          (a)  If any Existing Holder on whose behalf the Broker-Dealer has
submitted a Bid or Sell Order for Series 2002-1 Notes that was accepted in whole
or in part fails to instruct its Participant to deliver the Series 2002-1 Notes
subject to such Bid or Sell Order against payment therefor, the Broker-Dealer
shall instruct such Participant to deliver such Series 2002-1 Notes against
payment therefor and the Broker-Dealer may deliver to the Potential Holder on
whose behalf the Broker-Dealer submitted a Bid that was accepted in whole or in
part, a principal amount of the Series 2002-1 Notes that is less than the
principal amount of the Series 2002-1 Notes specified in such Bid to be
purchased by such Potential Holder. Notwithstanding the foregoing terms of this
Section, any delivery or nondelivery of Series 2002-1 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 Trustee, nor the Corporation shall
have any responsibility or liability with respect to the failure of an Existing
Holder, a Potential Holder or its respective Participant to deliver Series
2002-1 Notes or to pay for Series 2002-1 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).

                                      -6-

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

          Section 3. The Auction Agent

          3.1. Duties and Responsibilities

          (a)  The Auction Agent is acting hereunder solely as agent for the
Corporation and owes no fiduciary duties to any person by reason of this
Broker-Dealer Agreement.

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

          3.2. Rights of the Auction Agent

          (a)  The Auction Agent may conclusively rely and shall be fully
protected in acting or refraining from acting upon any communication authorized
by this Broker-Dealer Agreement and upon any written instruction, notice
request, direction, consent report, certificate, share certificate or other
instrument, paper or document reasonably believed by it to be genuine. The
Auction Agent shall not be liable for acting upon any telephone communication
authorized by this Broker-Dealer Agreement which the Auction Agent believes in
good faith to have been given by the Trustee, a Broker-Dealer or the
Corporation. 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,
validity, adequacy or accuracy of the recitals in or the adequacy or validity of
this Broker-Dealer Agreement, the Auction Agent Agreement or the validity or
adequacy of the Series 2002-1 Notes.

                                      -7-

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

          Section 4. Miscellaneous

          4.1. Termination

          Any party may terminate this Broker-Dealer Agreement at any time upon
five 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 Broker-Dealer Agreement without first obtaining
the prior written consent of the Trustee and the Corporation of such
termination, which consent shall not be unreasonably withheld or delayed. For so
long as the Auction Agent Agreement is effective and if Salomon Smith Barney
Inc. is the sole Broker-Dealer, any termination of this Broker-Dealer Agreement
shall not be effective unless and until a successor, or substitute Broker-Dealer
Agreement becomes effective. This Broker-Dealer Agreement shall automatically
terminate upon the delivery of certificates representing the Series 2002-1 Notes
pursuant to Section 17 of the Fourth Supplemental Indenture or upon termination
of the Auction Agent Agreement.

          4.2. Participant

          The Broker-Dealer is, and shall remain for the term of this
Broker-Dealer Agreement, a member of, or Participant in, the 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 Broker-Dealer 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, or its address or facsimile
number set forth below:

If to the Broker-Dealer, addressed:         SALOMON SMITH BARNEY INC.
                                            390 Greenwich Street
                                            5th Floor
                                            New York, New York 10013
                                            Attention:  Auction Rate Trading
                                            Telephone:  (212) 723-7082
                                            Facsimile:  (212) 723-8809

If to the Auction Agent, addressed:         DEUTSCHE BANK TRUST COMPANY AMERICAS
                                            Corporate Trust and Agency Group
                                            4 Albany Street
                                            New York, New York 10006
                                            Attention:  Auction Rate Securities

                                      -8-

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                                        Telephone:  (212) 250-6850
                                        Facsimile:  (212) 250-6215

If to the Trustee, addressed:           U.S. Bank National Association
                                        180 East Fifth Street
                                        St. Paul, Minnesota  55101
                                        Attention:  Corporate Trust Department
                                        Telephone:  (651) 244-0746
                                        Facsimile:  (651) 244-0711

If to the Corporation, addressed:       Education Loans Incorporated
                                        105 First Avenue Southwest
                                        Aberdeen, South Dakota 57401
                                        Attention:  President
                                        Telephone:  (605) 622-4590
                                        Facsimile:  (605) 622-4547

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 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 Officer of the
Auction Agent. The Broker-Dealer may record telephone communications with the
Auction Agent.

          4.4. Entire Agreement

          This Broker-Dealer 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 Broker-Dealer Agreement, express or implied, shall
give to any person, other than the Auction Agent, the Corporation, the
Broker-Dealer and their respective successors and assigns, any benefit of any
legal or equitable right, remedy or claim under this Broker-Dealer Agreement.

          4.6. Amendment; Waiver

          (a)  This Broker-Dealer 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 Broker-Dealer

                                      -9-

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                           Broker-Dealer Agreement dated as of September 1, 2002

Agreement may not be amended without first obtaining the prior written consent
of the Corporation.

          (b)  Failure of either party to this Broker-Dealer Agreement to
exercise any right or remedy hereunder in the event of a breach of this
Broker-Dealer 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 Broker-Dealer Agreement shall be binding upon, inure to the
benefit of, and be enforceable by, the parties hereto and their respective
successors and assigns.

          4.8. Severability

          If any clause, provision or section of this Broker-Dealer 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 sections hereof.

          4.9. Execution in Counterparts

          This Broker-Dealer 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.

          4.10. Governing Law

          This Broker-Dealer Agreement shall be governed by and construed in
accordance with the laws of the State of New York.

          [The remainder of this page is intentionally left blank.]

                                      -10-

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

          In Witness Whereof, the parties hereto have caused this Broker-Dealer
Agreement to be duly executed and delivered by their respective officers
thereunto duly authorized as of the date first above written.

                                        DEUTSCHE BANK TRUST COMPANY AMERICAS
                                        as Auction Agent

                                        By: /s/  Robert P. Sandt Jr.
                                            ------------------------------------
                                            Title:  Vice President

                                        SALOMON SMITH BARNEY INC.,
                                        as Broker-Dealer

                                        By: /s/  Harry T. Apfel
                                            ------------------------------------
                                            Title:  Managing Director

Pursuant to and in accordance with Section 9
of the Fourth Supplemental Indenture and
Section 2.9 of the Auction Agent Agreement
(defined above), the undersigned consents to
the execution of the above Broker-Dealer
Agreement.

U.S. Bank National Association, as Trustee

By /s/  Gloria S. Kessler
   ---------------------------------------
Title:  Vice President

                                      -11-

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                      EXHIBIT A TO BROKER-DEALER AGREEMENT

                              SETTLEMENT PROCEDURES

          If not otherwise defined herein, capitalized terms used herein shall
have the meanings given such terms in Article 1 of the Fourth Supplemental
Indenture. These Settlement Procedures shall apply separately for each series of
Series 2002-1 Notes.

          (a)  Not later than (1) 3:00 P.M., if the Series 2002-1 Note Auction
Rate is the Auction Rate or (2) 4:00 p.m. if the Series 2002-1 Note Auction Rate
is the Net Loan Rate, on each Auction Date, 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 Holder or Potential
Holder of:

               (i)   the Series 2002-1 Note Auction Rate fixed for the next
                     Interest Period;

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

               (iii) if such Broker-Dealer submitted Bids or Sell Orders on
                     behalf of an Existing Holder (a "Seller's Broker-Dealer"),
                     whether such Bid or Sell Order was accepted or rejected, in
                     whole or in part, and the principal amount of Series 2002-1
                     Notes, if any, to be sold by such Existing Holder;

               (iv)  if such Broker-Dealer submitted a Bid on behalf of a
                     Potential Holder (a "Buyer's Broker-Dealer"), whether such
                     Bid was accepted or rejected, in whole or in part, and the
                     principal amount of Series 2002-1 Notes, if any, to be
                     purchased by such Potential Holder;

               (v)   if the aggregate amount of Series 2002-1 Notes to be sold
                     by all Existing Holders on whose behalf such Seller's
                     Broker-Dealer submitted Bids or Sell Orders exceeds the
                     aggregate principal amount of Series 2002-1 Notes to be
                     purchased by all Potential Holders on whose behalf such
                     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 Series 2002-1 Notes and the principal amount of
                     Series 2002-1 Notes to be purchased from one or more
                     Existing Holders on whose behalf such Seller's
                     Broker-Dealer acted by one or more Potential Holders on
                     whose behalf each of such Buyer's Broker-Dealers acted;

               (vi)  if the principal amount of Series 2002-1 Notes to be
                     purchased by all Potential Holders on whose behalf such
                     Buyer's Broker-Dealer

                                      A-1

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                     submitted a Bid exceeds the amount of Series 2002-1 Notes
                     to be sold by all Existing Holders on whose behalf such
                     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 Series 2002-1 Notes and the
                     principal amount of Series 2002-1 Notes to be sold to one
                     or more Potential Holders on whose behalf such Buyer's
                     Broker-Dealer acted by one or more Existing Holders on
                     whose behalf each of such Seller's Broker-Dealers acted;
                     and

               (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 Holder or Potential Holder shall:

               (i)   advise each Existing Holder and Potential Holder 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 Holder on whose behalf
                     such Buyer's Broker-Dealer submitted a Bid that was
                     accepted, in whole or in part, to instruct such Potential
                     Holder's Participant to pay such Buyer's Broker-Dealer (or
                     its Participant) through the Depository the amount
                     necessary to purchase the principal amount of Series 2002-1
                     Notes to be purchased pursuant to such Bid against receipt
                     of such Series 2002-1 Notes;

               (iii) in the case of a Broker-Dealer that is a Seller's
                     Broker-Dealer, instruct each Existing Holder on whose
                     behalf such Seller's Broker-Dealer submitted a Sell Order
                     that was accepted, in whole or in part, to instruct such
                     Existing Holder's Participant to deliver to such Seller's
                     Broker-Dealer (or its Participant) through the Depository
                     the principal amount of Series 2002-1 Notes to be sold
                     pursuant to such Order against payment therefor;

               (iv)  advise each Existing Holder on whose behalf such
                     Broker-Dealer submitted an Order and each Potential Holder
                     on whose behalf such Broker-Dealer submitted a Bid of the
                     Series 2002-1 Note Auction Rate for the next Series 2002-1
                     Note Interest Period;

               (v)   advise each Existing Holder on whose behalf such
                     Broker-Dealer submitted an Order of the next Auction Date,
                     including, without limitation, Existing Holders deemed to
                     have submitted Hold

                                      A-2

<PAGE>

                     Orders pursuant to Section 4(b)(iii) of the Fourth
                     Supplemental Indenture; and

               (vi)  advise each Potential Holder 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 Series 2002-1 Notes
received by it in connection with such Auction pursuant to paragraph (b) (iii)
above among the Potential Holders, if any, on whose behalf such Broker-Dealer
submitted Bids, the Existing Holders, 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 Holder and Existing Holder 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;

               (ii)  each Seller's Broker-Dealer that is not a Participant of
                     the Depository shall instruct its Participant to deliver
                     such Series 2002-1 Notes through the 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 in the
                     Depository shall instruct its Participant to pay through
                     the Depository to a Seller's Broker-Dealer (or its
                     Participant) identified following such Auction pursuant to
                     (a) (vi) above the amount necessary to purchase the Series
                     2002-1 Notes to be purchased pursuant to (b) (ii) above
                     against receipt of such Series 2002-1 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 Depository to execute the transactions described under
                     (b) (ii) or (b) (iii) above for such Auction, and the
                     Depository shall execute such transactions;

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

                                      A-3

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

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

          (f)  If an Existing Holder selling Series 2002-1 Notes in an Auction
fails to deliver such Series 2002-1 Notes (by authorized book-entry), a
Broker-Dealer may deliver to the Potential Holder on behalf of which it
submitted a Bid that was accepted a principal amount of Series 2002-1 Notes that
is less than the principal amount of Series 2002-1 Notes that otherwise was to
be purchased by such Potential Holder. In such event, the principal amount of
Series 2002-1 Notes to be so delivered shall be determined solely by such
Broker-Dealer, but only in Authorized Denominations. Delivery of such lesser
principal amount of Series 2002-1 Notes shall constitute good delivery.
Notwithstanding the foregoing terms of this paragraph (f), any delivery or
nondelivery of Series 2002-1 Notes which 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 Trustee nor the Auction Agent will
have any responsibility or liability with respect to the failure of a Potential
Holder, Existing Holder or their respective Broker-Dealer or Participant to
deliver the principal amount of Series 2002-1 Notes or to pay for the Series
2002-1 Notes purchased or sold pursuant to an Auction or otherwise.

                                      A-4

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                      EXHIBIT B TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2002-1A]
                             [SENIOR SERIES 2002-1B]
                          [SUBORDINATE SERIES 2002-1C]

                                   ORDER FORM

                                                            AUCTION DATE _______
                                                            ISSUE_______________
                                                            SERIES______________

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

                                    PRINCIPAL AMOUNT
                                   OF NOTES ($50,000
       EXISTING HOLDER               OR MULTIPLES)               BID RATE
       ---------------               -------------               --------

1.  _______________________     _______________________    ____________________

2.  _______________________     _______________________    ____________________

3.  _______________________     _______________________    ____________________

4.  _______________________     _______________________    ____________________

5.  _______________________     _______________________    ____________________

6.  _______________________     _______________________    ____________________

7.  _______________________     _______________________    ____________________

8.  _______________________     _______________________    ____________________

9.  _______________________     _______________________    ____________________

10. _______________________     _______________________    ____________________

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

                                      B-1

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                          EDUCATION LOANS INCORPORATED

                        STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2002-1A]
                             [SENIOR SERIES 2002-1B]
                          [SUBORDINATE SERIES 2002-1C]

                            BIDS BY POTENTIAL HOLDERS

                                    PRINCIPAL AMOUNT
                                   OF NOTES ($50,000
       EXISTING HOLDER               OR MULTIPLES)               BID RATE
       ---------------               -------------               --------

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 Series 2002-1 Notes held by any
          Existing Holder 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 Holder covering
          a principal amount of Series 2002-1 Notes not greater than the
          principal amount currently held by such Existing Holder.

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

     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>

                           Broker-Dealer Agreement dated as of September 1, 2002

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

                                      B-3

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

NAME OF BROKER-DEALER: _________________________________________

AUTHORIZED SIGNATURE: __________________________________________

TOTAL NUMBER OF ORDERS ON THIS ORDER FORM: _____________________

Submit to:    DEUTSCHE BANK TRUST COMPANY AMERICAS
              Corporate Trust and Agency Group
              4 Albany Street
              New York, New York 10006
              Telephone:   (212) 250-6850
              Telecopier:  (212) 250-6215

                                       B-4

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                      EXHIBIT C TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2002-1A]
                             [SENIOR SERIES 2002-1B]
                          [SUBORDINATE SERIES 2002-1C]

                    (To be used only for transfers made other
                          than pursuant to an Auction)

We are (check one)

_____________the Existing Holder indicated below*; or

______________the Broker-Dealer for such Existing Holder; or

______________the Participant for such Existing Holder.

We hereby notify you that such Existing Holder has transferred $_________ (must
be in units of $50,000) of [Senior Series 2002-1A Notes] [Senior Series 2002-1B
Notes] [Subordinate Series 2002-1C Notes] to

                                           _____________________________________
                                           (Existing Holder)

                                           _____________________________________
                                           (Name of Broker-Dealer)

                                           _____________________________________
                                           (Name of Participant)

                                           By:__________________________________
                                           Printed Name:________________________
                                           Title:_______________________________

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

                                      C-1

<PAGE>

                           Broker-Dealer Agreement dated as of September 1, 2002

                      EXHIBIT D TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2002-1A]
                             [Senior Series 2002-1B]
                          [SUBORDINATE SERIES 2002-1C]

                   NOTICE OF A FAIL TO DELIVER OR MAKE PAYMENT

COMPLETE EITHER I OR II.

                    We are a Broker-Dealer for * (the "Purchaser"), which
                    purchased $_________ (must be in units of $50,000) of the
                    [Senior Series 2002-1A Notes] [Senior Series 2002-1B Notes]
                    [Subordinate Series 2002-1C Notes] in the Auction held on
                    _____________________ from the seller of such [Senior Series
                    2002-1A Notes] [Senior Series 2002-1B Notes] [Subordinate
                    Series 2002-1C Notes].

                    We are a Broker-Dealer for * (the "Seller"), which sold
                    $___________ (must be in units of $50,000) of the [Senior
                    Series 2002-1A Notes] [Senior Series 2002-1B Notes]
                    [Subordinate Series 2002-1C Notes] in the Auction held on
                    ___________________ to the purchaser of such [Senior Series
                    2002-1A Notes] [Senior Series 2002-1B Notes] [Subordinate
                    Series 2002-1C Notes].

We hereby notify you that (check one)

_______________          the Seller failed to deliver such [Senior Series
                         2002-1A Notes] [Senior Series 2002-1B Notes]
                         [Subordinate Series 2002-1C Notes] to the Purchaser.

_______________          the Purchaser failed to make payment to the Seller upon
                         delivery of such [Senior Series 2002-1A Notes] [Senior
                         Series 2002-1B Notes] [Subordinate Series 2002-1C
                         Notes].

                                            (Name of Broker-Dealer)

                                            By:_________________________________
                                            Name:_______________________________
                                            Title:______________________________

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

                                                                    EXHIBIT 10.3

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

                               TRANSFER AGREEMENT

                                      from

                               GOAL FUNDING, INC.

                                       and

                         U.S. BANK NATIONAL ASSOCIATION,
                                   as Trustee

                                       to

                         U.S. BANK NATIONAL ASSOCIATION,
                                   as Trustee

                                       and

                          EDUCATION LOANS INCORPORATED

                              _____________________

                          Dated as of September 1, 2002
                              _____________________

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

<PAGE>

         GOAL FUNDING, INC., a Delaware corporation ("GOAL Funding"), and U.S.
BANK NATIONAL ASSOCIATION, a national banking association, as trustee (the
"Warehouse Trustee" and, together with GOAL Funding, the "Transferors") under
the Indenture, dated as of December 1, 2001 (the "Warehouse Indenture"), among
GOAL Funding, Market Street Funding Corporation, the financial institutions
named therein, PNC Bank, National Association, AMBAC Assurance Corporation and
the Warehouse Trustee, in consideration of the payment (a) to the Transferors of
$104,822,137.62 (which amount is equal to the principal balance of, plus accrued
and unpaid interest and special allowance payments on, the Assigned Student
Loans, as hereinafter defined, as of the effective date of this Agreement), and
(b) to Student Loan Finance Corporation ("SLFC") of $1,195,880.06 (to reimburse
SLFC for amounts contributed by SLFC to GOAL Funding to enable the Transferors
to pay the premium portion of the purchase price of the Assigned Student Loans,
as hereinafter defined, constituting FFELP Loans) receipt of which is hereby
acknowledged, hereby assign, transfer and convey, subject to the following
paragraph, to U.S. BANK NATIONAL ASSOCIATION, as trustee (the "Note Trustee")
under the Indenture of Trust, dated as of December 1, 1999 (as amended and
supplemented, including by a First Supplemental Indenture of Trust, dated as of
December 1, 1999, a Second Supplemental Indenture of Trust, dated as of December
1, 2000, a Third Supplemental Indenture of Trust, dated as of July 1, 2001, and
a Fourth Supplemental Indenture of Trust, dated as of September 1, 2002, the
"Note Indenture"), between Education Loans Incorporated, a Delaware corporation
(the "Corporation"), and the Note Trustee, and to the Corporation, as their
interests may appear, without recourse, all right, title and interest in, to and
under (1) each of the Student Loans (as defined in the Note Indenture),
including any evidences of indebtedness and all related documentation,
identified in the list attached hereto as Exhibit A (the "Assigned Student
Loans"), and by this reference made a part hereof, each of which was acquired
with moneys available therefor under the Warehouse Indenture, either through the
origination thereof on behalf of GOAL Funding or through the purchase thereof by
or behalf of GOAL Funding pursuant to the Student Loan Purchase Agreements
identified in the list attached hereto as Exhibit B (the "Student Loan Purchase
Agreements"), together with accrued and unpaid borrower interest, federal
interest subsidy payments and Special Allowance Payments thereon, (2) the
Student Loan Purchase Agreements, to the extent they relate to the Assigned
Student Loans, (3) all rights and remedies of the Transferors under all of the
foregoing, including the right to enforce the same in the same manner and to the
same extent as the Transferors might do but for the execution and delivery of
this Transfer Agreement, (4) $1,125,717.16 from amounts on deposit in the
Guarantee Account established under the Warehouse Indenture, such amount having
been transferred on the date hereof to the Note Trustee for deposit in the
Alternative Loan Guarantee Fund established under the Note Indenture, and (5)
all proceeds of any of the foregoing.

         It is hereby acknowledged that the foregoing transfer and assignment is
being made pursuant to, and subject to the provisions of, Section 5.1 of the
Note Indenture, which provides that the Note Trustee shall be the legal owner of
all student loans financed under the Note Indenture (which includes the Assigned
Student Loans) for all purposes of the Higher Education Act and each Guarantee
Program and Alternative Loan Program (as such terms are defined in the Note
Indenture), but that the Note Trustee shall so hold such financed student loans
(including the Assigned Student Loans) in its capacity as trustee of an express
trust created pursuant to the Note Indenture and, in such capacity, shall be
acting on behalf of the Corporation, as the

<PAGE>

beneficial owner of such financed student loans (including the Assigned Student
Loans), as well as the Holders of the Notes and all Other Beneficiaries, as
their interests may appear.

         To the extent required by the Higher Education Act and the Guarantee
Program regulations or the Alternative Loan Program, the Transferors agree to
notify, or cause to be notified, each borrower under each Assigned Student Loan
of the assignment and transfer to the Trustee (but for the account and on behalf
of the Corporation) of the Transferors' interest in such Assigned Student Loan
and shall direct the borrower to make all payments thereon directly to the
Servicer until otherwise notified by the Trustee. To the extent permitted by the
Higher Education Act and the Guarantee Program regulations or the Alternative
Loan Program, as appropriate, the Corporation may waive this requirement if the
notice is or has been sent by the Servicer on behalf of the Transferors.

         If either of the Transferors is the recipient of any funds, from
whatever source received, which constitute payment of principal with respect to
any Assigned Student Loan, or accrued and unpaid borrower interest, federal
interest subsidy payments and Special Allowance Payments thereon as of the date
of this Agreement, or accrued interest or Special Allowance Payments accrued
thereon for any period subsequent to the date of this Agreement, such Transferor
shall promptly remit, or cause to be remitted, all such funds to the Servicer or
in such manner as the Trustee may otherwise direct.

         Each of the Corporation and the Note Trustee, by entering into this
Agreement, covenants and agrees that it will not at any time institute against
GOAL Funding, or join in any institution against GOAL Funding of, any
bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings,
or other proceedings under any United States Federal or state bankruptcy or
similar law in connection with any obligation relating to this Agreement.

         Each of the Transferors, by entering into this Agreement, covenants and
agrees that it will not at any time institute against the Corporation, or join
in any institution against the Corporation of, any bankruptcy, reorganization,
arrangement, insolvency or liquidation proceedings, or other proceedings under
any United States Federal or state bankruptcy or similar law in connection with
any obligation relating to this Agreement.

         The Transferors further agree to individually endorse any of the
above-described Assigned Student Loans or any documents related thereto payable
to the Note Trustee upon the request of the Note Trustee for any reason,
including, without limitation, the default of any maker of any of the Assigned
Student Loans described hereinabove or assigned hereunder, and the default of
the Corporation under the Note Indenture.

         All terms capitalized but not defined herein shall have the meaning
ascribed thereto in the Note Indenture.

         This Transfer Agreement shall be governed by, and construed in
accordance with, the laws of the State of South Dakota.

                                       2

<PAGE>

         This transfer and assignment shall be effective the 19th day of
September, 2002.

                                       GOAL FUNDING, INC

                                       By:       /s/  A. Norgrin Sanderson
                                           -------------------------------------
                                                        President

                                       U.S. BANK NATIONAL ASSOCIATION,
                                          as Warehouse Trustee

                                       By:        /s/  Gloria S. Kessler
                                           -------------------------------------
                                                      Vice President

         The undersigned, as Note Trustee, hereby accepts the above Transfer
Agreement and acknowledges receipt of the Assigned Student Loans (including any
evidences of indebtedness and all related documentation), the Student Loan
Purchase Agreements and the $1,125,717.16 described above.

         Dated this 19th day of September, 2002.

                                       U.S. BANK NATIONAL ASSOCIATION,
                                          as Note Trustee

                                       By:        /s/  Gloria S. Kessler
                                           -------------------------------------
                                                      Vice President

         The Corporation hereby accepts the above Transfer Agreement.

         Dated this 19th day of September, 2002.

                                       EDUCATION LOANS INCORPORATED

                                       By:       /s/  A. Norgrin Sanderson
                                           -------------------------------------
                                                        President

                                        3

<PAGE>

                                    EXHIBIT A

                        [List of Assigned Student Loans]

                 [Computer Disks and Paper Supplement Attached]

<PAGE>

                                    EXHIBIT B

                   [List of Student Loan Purchase Agreements]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}]]