Composition of the Total Accrued Interest (*)... Accrued Interest to be capitalized... Aggregate... Borrowers... Average per Borrower...... Average per Loan... Weighted Average Annual Interest Rate... Weighted Average Remaining Term (Months)... Weighted Average FICO Score (Higher of Borrower or Cosigner)... $229,448.12 $214,708.89 $6,221,464.78 684 $9,095.71 737 $8,441.61 8.27% 106 760 Paid In Full... Original Balance of Paid In Full... 13 $131,354.00 (*) Includes accrued interest to be capitalized. HE6112 (10/2010) 650000
Distribution of the By FICO Score FICO Score <=659 0 Principal Balance Percent of By Balance 660 to 669 4 $40,759.77 0.66% 670 to 679 19 $154,906.81 2.49% 680 to 689 8 $61,344.15 0.99% 690 to 699 27 $200,976.68 3.23% 700 to 709 33 $278,686.31 4.48% 710 to 719 30 $237,417.33 3.82% 720 to 729 40 $325,445.33 5.23% 730 to 739 48 $417,422.21 6.71% 740 to 749 58 $534,955.37 8.60% 750 to 759 72 $553,039.92 8.89% 760 to 769 55 $478,592.32 7.69% 770 to 779 85 $720,260.62 11.58% 780 to 789 62 $486,658.37 7.82% 790 to 799 75 $660,692.73 10.62% > 799 121 $1,070,306.86 17.20% HE6113 (10/2010) 650000
Distribution of the By Interest Rate Interest Rate Percent of by Balance 7.30% 63 $494,577.14 7.95% 7.55% 174 $1,329,763.97 21.37% 8.00% 19 $170,956.35 2.75% 8.25% 126 $1,144,262.71 18.39% 8.75% 355 $3,081,904.61 49.54% HE6114 (10/2010) 650000
Distribution of the By Borrower Payment Status Loan Pay Status Percent of By In School 292 $2,488,803.26 40.00% In Grace 46 $451,431.07 7.26% Repayment 395 $3,258,621.92 52.38% Deferment 3 $18,579.55 0.30% Military Deferment 0 Forbearance 1 $4,028.98 0.06% Claim 0 HE6115 (10/2010) 650000
Distribution of By Repayment Option Repayment Option Immediate Repayment Percent of By 237 $1,824,341.11 29.32% Interest Only 145 $1,315,219.06 21.14% Deferment 355 $3,081,904.61 49.54% HE6116 (10/2010) 650000
Distribution of the By School Type School Type Percent of By Graduate/Residency 1 $2,000.00 0.03% 4 Year Undergraduate 713 $6,090,789.02 97.90% 2 Year Undergraduate 23 $128,675.76 2.07% Vocational/Trade 0 Unidentified 0 HE6117 (10/2010) 650000
Distribution of the By Number Of Days Delinquent Days Delinquent Percent of By Current 392 $3,236,878.31 99.33% 1-30 3 $21,743.61 0.67% 31-60 0 61-90 0 91-120 0 121-150 0 151-180 0 More than 180 0 Total 395 $3,258,621.92 100% HE6118 (10/2010) 650000
Distribution of the By Date of Final Disbursement Final Disbursement Date Percent of By Outanding Balance 01/01/2010-06/30/2010 30 $175,363.75 2.82% 07/01/2010-12/31/2010 124 $832,756.64 13.39% 01/01/2011-06/30/2011 532 $4,872,580.48 78.32% 07/01/2011-12/31/2011 51 $340,763.91 5.48% HE6119 (10/2010) 650000
Distribution of the By Range of Less than $5,000.01 $ 5,000.01- $10,000.00 $10,000.01- $15,000.00 $15,000.01- $20,000.00 More than $20,000.00 Percent of By 207 $751,122.46 12.07% 340 $2,669,661.63 42.91% 118 $1,458,898.13 23.45% 61 $1,116,152.58 17.94% 11 $225,629.98 3.63% HE6120 (10/2010) 650000
Distribution of the in Repayment by Months Remaining Until Scheduled Maturity Months Percent of By Less than 73 31 $76,647.55 1.23% 73 to 84 3 $9,782.53 0.16% 85 to 96 14 $72,280.42 1.16% 97 to 108 113 $941,525.95 15.13% 109 to 120 95 $853,695.67 13.72% 121 to 132 83 $812,420.90 13.06% 133 to 144 118 $1,174,763.08 18.88% 145 to 156 108 $986,536.14 15.86% 157 to 168 122 $905,142.57 14.55% 169 to 180 33 $216,930.50 3.49% Greater than 180 17 $171,739.47 2.76% HE6121 (10/2010) 650000
Distribution of the By Servicer Servicer Percent of By Firstmark 737 $6,221,464.78 100.00% HE6122 (10/2010) 650000
Distribution of the By Geographic Location Location Percent of By Upstate 614 $5,081,786.99 81.68% Downstate 120 $1,111,779.45 17.87% Outside New York 3 $27,898.34 0.45% HE6123 (10/2010) 650000
Distribution of the By College School Name Percent of By Outanding Balance Rochester Institute of Tech 71 $644,025.16 10.35% College of Saint Rose 38 $365,919.45 5.88% SUNY - Oswego 43 $335,690.40 5.40% Le Moyne College 33 $311,000.61 5.00% Syracuse University 24 $255,081.17 4.10% Siena College 21 $225,309.81 3.62% Clarkson University 22 $201,446.22 3.24% Canisius College 25 $192,678.67 3.10% SUNY - Cortland 27 $192,458.81 3.09% Hofstra University 13 $172,958.54 2.78% SUNY - Buffalo 23 $171,842.05 2.76% New York University 14 $155,227.55 2.50% Niagara University 19 $153,256.46 2.46% Utica College 17 $131,603.91 2.12% Daemen College 20 $129,550.18 2.08% University of Rochester - River Cam 10 $129,365.23 2.08% Trocaire College 28 $122,855.34 1.97% Mount St. Mary College 13 $120,292.87 1.93% Union College 8 $104,666.51 1.68% Iona College 9 $100,835.03 1.62% Long Island University 9 $97,580.69 1.57% Fordham University 8 $88,217.11 1.42% Elmira College 11 $87,245.22 1.40% Adelphi Univ 8 $71,407.31 1.15% Hartwick College 8 $70,984.98 1.14% D'Youville College 8 $70,487.44 1.13% 1 of 4 HE6124 (10/2010) 650000
Distribution of the By College School Name Percent of By Outanding Balance University at Albany 10 $69,728.84 1.12% Cazenovia College 6 $68,629.19 1.10% St Johns University 9 $68,248.00 1.10% Domincan College Blauvelt 8 $67,716.58 1.09% Medaille College 8 $62,646.68 1.01% Culinary Institute of America 9 $56,940.30 0.92% Albany College of Pharmacy 6 $56,248.16 0.90% St Josephs College(NY) 9 $54,247.13 0.87% Manhattan College 6 $51,869.18 0.83% SUNY College of Technology @ Canton 6 $50,926.05 0.82% New York Institute of Technology 7 $50,906.28 0.82% Hudson Valley Community College 10 $50,586.95 0.81% Molloy College 6 $45,900.55 0.74% SUNY - Stony Brook 6 $43,452.76 0.70% SUNY - New Paltz 8 $40,196.12 0.65% Wells College 5 $35,180.58 0.57% Russell Sage College 3 $33,929.19 0.55% SUNY - Saratoga Springs-Empire Stat 4 $32,243.19 0.52% College of New Rochelle 2 $30,443.11 0.49% Paul Smith's College of Arts and Sc 3 $28,982.62 0.47% Keuka College 4 $28,542.51 0.46% American University 2 $25,000.00 0.40% Fashion Institute of Technology 4 $23,119.70 0.37% Villa Maria College 3 $20,262.73 0.33% NYP/Poly 3 $19,246.57 0.31% Erie Community College 3 $18,382.58 0.30% 2 of 4 HE6124 (10/2010) 650000
Distribution of the By College School Name Percent of By Outanding Balance Dowling College 2 $17,749.53 0.29% Monroe Community College 3 $17,538.55 0.28% SUNY - Plattsburgh 3 $17,369.90 0.28% Mercy College 3 $16,881.34 0.27% University of Rochester - Eastman S 1 $16,869.00 0.27% New York Chiropractic College 2 $16,136.73 0.26% SUNY - Cobleskill, College of Agric 2 $15,292.00 0.25% Hobart and William Smith Colleges 3 $14,993.47 0.24% St Lawrence University 2 $14,761.97 0.24% Dutchess Community College 2 $14,361.86 0.23% SUNY College of Technology @ Alfred 3 $11,200.00 0.18% Five Towns College 1 $11,000.00 0.18% Houghton College 2 $10,119.52 0.16% Berklee College of Music 1 $10,000.00 0.16% City University New York-Queens Col 1 $10,000.00 0.16% St John Fisher College 1 $10,000.00 0.16% University of Pennsylvania 1 $10,000.00 0.16% Vassar College 1 $10,000.00 0.16% SUNY - Brockport 1 $9,740.00 0.16% Schenectady County Community Colleg 1 $8,838.30 0.14% Fordham University - Lincoln Center 1 $8,764.00 0.14% Pace University-Pleasantville 1 $8,671.72 0.14% Albany Law School 1 $8,596.29 0.14% Onondaga Community College 1 $8,400.00 0.14% Bryant & Stratton College-Syracuse 1 $8,158.56 0.13% SUNY - Geneseo 1 $7,950.00 0.13% 3 of 4 HE6124 (10/2010) 650000
Distribution of the By College School Name Percent of By Outanding Balance Maria College 1 $7,500.00 0.12% Manhattanville College 1 $7,000.00 0.11% Bryant & Stratton College-Southtown 1 $6,472.35 0.10% Cayuga County Community College 1 $6,000.00 0.10% St Bonaventure University 1 $6,000.00 0.10% Skidmore College 1 $5,951.94 0.10% SUNY College of Agriculture & Techn 1 $5,495.88 0.09% Nazareth College Of Rochester 1 $4,753.10 0.08% SUNY College of Technology @ Farmin 1 $4,576.75 0.07% City University of New York - Brook 1 $4,312.37 0.07% Roberts Wesleyan College 1 $4,189.11 0.07% St Joseph's School of Nursing 1 $3,967.73 0.06% New York School of Interior Design 1 $3,690.75 0.06% University of New Hampshire School 1 $2,000.00 0.03% Mohawk Valley Community College 1 $599.79 0.01% 4 of 4 HE6124 (10/2010) 650000
Distribution of the By Co-Sign Status and School Type Co-Sign Graduate/Residency 1 $2,000.00 0.03% 4 Year Undergraduate 710 $6,054,040.81 97.31% 2 Year Undergraduate 23 $128,675.76 2.07% Vocational/Trade 0 Unidentified 0 Subtotal 734 $6,184,716.57 99.41% Non Co-Sign Co-Sign Status Graduate/Residency 0 4 Year Undergraduate 3 $36,748.21 0.59% 2 Year Undergraduate 0 Vocational/Trade 0 Unidentified 0 Percent of By Subtotal 3 $36,748.21 0.59% Total 737 $6,221,464.78 100% HE6125 (10/2010) 650000
Distribution of the By Origination Fee Origination Fee Percent of By 4.00% 161 $1,207,256.57 19.40% 5.00% 163 $1,453,243.53 23.36% 5.33% 1 $11,288.59 0.18% 6.00% 41 $303,068.61 4.87% 7.00% 368 $3,209,859.27 51.59% 8.00% 3 $36,748.21 0.59% HE6126 (10/2010) 650000