‘Tis the season for New Year’s resolutions — and we’re doing our best to accomplish ours right away.

We’re getting into the spirit of the New Year by making improvements to our T.H.E. loan programs. As we told you last month, our Grad PLUS terms just got better, and now we’re pleased to announce better pricing for private loans — and more access to them — for undergrads.

For starters, when the cosigners for undergraduate students have excellent credit, the student will be rewarded with better pricing: as low as LIBOR plus 3%, with a 1% repayment bonus, for a net effective repayment interest rate of LIBOR plus 2% (please visit www.theloanprogram.org for terms and conditions).

Students may not be interested in the recent changes in student loans and consolidation, but some of these changes directly affect their wallet — and what they don’t know could cost them thousands of dollars.

Last month, we stressed the importance of educating your students about deceptive consolidation marketing. As a follow-up to that, our president, Taige Thornton, crafted a letter to our student borrowers, explaining the problems they might face, the tactics they should be wary of, and what they can do to avoid a potentially costly mistake.

We invite you to share the letter with your students, who may need to hear this message more than once to understand how this affects them, and what’s at stake.

T.H.E.’s educational blog for students, the Ramen Report, has been up and running since October, and student borrowers have been helping us add flavor from day one. Lucky for us, it seems that your students are more than willing to chime in with their ideas and experiences, on everything from interest capitalization to holiday gift-giving on a budget.

To thank them for their contributions, we’ve rewarded one lucky commenter every month with a $100 Visa gift card. Think your students might be interested? Please have them stop by and share their opinions. In addition to filling up on helpful loan and debt news, they just might walk away with some extra money in their pockets.