W: Hello! How can I help you, sir?

M: I want to take out a loan for school. What kind of interest rate do you offer?

W: Do you qualify for any of the Federal loan programs?

M: Yes, but I need to borrow some more money.

W: Well. In that case we can offer you a private educational loan.

M: What's the interest rate?

W: It's 7.2%, fixed-rate loan.

M: How do I go about taking it out?

W: Just fill out this application. We can let you know right away if you qualify.

M: All right, thank you!