You know that saying “rules are meant to be broken?” Well, these rules are definitely not meant to be broken. If you do chose to be a rebel, you could be disqualified and no one at Student Loan Club wants to deal with that. The following is long and boring, but legal insists it has to be here.

We’re not using ALL CAPS and bold font to yell at you. Certain laws want us to call more  attention to certain things and we apologize for the unintentional aggressiveness.

ENTRANTS MUST HAVE, OR BE THE CO-SIGNER OF, STUDENT LOANS TO BE ELIGIBLE TO WIN.

NO PURCHASE NECESSARY TO ENTER OR WIN THIS GIVEAWAY. DONATING DOES NOT IMPROVE YOUR CHANCES OF WINNING.

WINNERS DO NOT RECEIVE PRIZE FUNDS DIRECTLY. ALL PRIZES ARE PAID DIRECTLY TO THE WINNER’S STUDENT LOAN SERVICER. ONLY RECOGNIZED FINANCIAL INSTITUTIONS ARE ELIGIBLE TO RECEIVE PRIZES (i.e. FedLoan, Nelnet, Great Lakes, Navient, etc.). If your Aunt Patty paid for a semester and you owe her, sorry, but that’s still on you.

The Student Loan Club Giveaway (the “Giveaway”) is sponsored and administered by Student Loan Club (“Sponsor” or ”SLC”) begins at 12:00:01 AM Eastern Standard Time (“EST”) on October 1, 2017 and ends at 11:59:59 PM EST on October 15, 2017 (the “Giveaway Period”).

Am I eligible?

The Giveaway is open solely to individuals who are legal residents of the 50 United States (and the District of Columbia) who at time of entry are: i) age 18 (or age of majority in jurisdiction of residence, whichever is older) or older; and, who prior to the time of entry, ii) have or are a co-signer of student loan debt (referred to hereafter as an “Entrant”). Only Entrants with student loan debt from recognized lenders are eligible for the Giveaway.

Employees of SLC, and our respective parent company, subsidiaries, affiliates (collectively, the “Giveaway Entities”), and our immediate family members and/or those living in the same household of each, whether related or not, are not eligible to enter or win (unfortunately, we have student loans, too, but that wouldn’t be fair). Giveaway is subject to all applicable federal, state and local laws and regulations. Void in Puerto Rico and where prohibited by law.

When does the Giveaway start and end?

The “Giveaway Period” will run according to the dates shown below.

How can I enter?

Join the Student Loan Club: Go to www.studentloanclub.com/donations/join-now/ and join the club to receive a monthly digital thank you card and automatic entry into all giveaways.

Mail-In (free entry): If you just want the chance to win money towards your student loans and are not interested in contributing to the overall mission of the Club, you can enter via the Mail-In option. Hand print on a  4”x6” card “Giveaway Drawing Number 56745673” in the lower right hand corner, first and last name, street address, city, state, ZIP code, phone number, and email address (all left aligned), along with “I have read and agree to the Official Rules”. Put that card in a #A4 envelope and mail it to “Student Loan Club”, 12655 W Jefferson Blvd, Fourth Floor Playa Vista, CA 90066. Do us a favor and please don’t send any comments or questions to this address. Each mail-in must follow the above guidelines to be eligible. Entries must be postmarked by the end of the Giveaway Period to be eligible. Multiple entries submitted in the same envelope will be void. Entries that are submitted incompletely or completed by anyone other than the Entrant are void. Mechanical reproductions will not be accepted. SLC does not verify the receipt of Mail-In entries and all entries submitted become the sole property of SLC and will not be returned. SLC is not responsible for lost, late, misdirected, illegible, damaged or postage due Mail-In entries.

Sponsor reserves the right to disqualify any Entry and/or Entrant who is in violation of these Official Rules. Sponsor is under no obligation to disclose why an Entry/Entrant has been disqualified other than the Entry/Entrant was ineligible under these Official Rules. Furthermore, the Sponsor reserves the right to not award all of the prizes if, in its sole and absolute discretion, it does not receive a sufficient number of eligible Entries. Entries subject to all notices posted at www.studentloanclub.com, including these Official Rules. All Entries become Sponsor’s property and Mail-Ins will not be returned or acknowledged.

How is the winner selected and notified?

A random drawing from all eligible Entries received during the Giveaway Period will be used to determine the potential “Winner”, and will be conducted about six (6) days after the end of the Giveaway Period. One (1) winner will be selected and notified via the phone number and/or email address associated with their entry. SLC is not responsible for changes to a potential Winner’s contact information that may interfere with winner notification and/or prize fulfillment. At the sole discretion of SLC, disqualification, forfeiture and the selection of an alternate Winner may result from any of the following: [1] potential Winner’s failure to respond to contact from SLC within three (3) days after its transmission; [2] potential Winner’s failure to provide SLC with the required documents needed to verify his/her eligibility within the time allocated; [3] potential Winner’s failure to validly claim the prize by deadline date, [4] if a selected Winner cannot accept or receive the prize for any reason; and/or [5] any other non-compliance with the Official Rules. Upon replying to our notification, each potential Winner will then be required to execute and return an Affidavit of Eligibility, Release of Liability and Publicity Release, and a W-9 IRS Tax Form. Documents must be returned to us within five (5) days of the date printed on notification or such Winner will be disqualified and an alternate Winner may be selected. Each prize will be awarded within thirty (30) days after receipt and verification of completed prize documents. Acceptance of prize constitutes permission (except where prohibited by law) for SLC, and its designees, to use each Winner’s name, prize won, entry, hometown, likeness, photograph and other indicia of persona for promotional/advertising/trade purposes without further compensation or notice of any kind.

What is the actual prize pool?

The Giveaway Period has up to $100.00 total in prize funds to be awarded to one (1) Winner. The Winner is eligible to receive payment of his/her current, student loan debt up to $100. Prize funds will be distributed when documented proof of student loan holder and balance is approved by Sponsor. For each Winner, up to $100 or the amount of their student loan balance will be paid off, whichever is less. For example: if the Winner has a student loan balance of $90, they will only receive $90 from the $100 prize fund. If the Winner selected has a student loan balance of $47,310, they will receive all $100 from that prize fund; and, the remaining $47,210 of the applicable student loan debt will at all times be the Winner’s sole responsibility. In all cases, any loan prepayment penalties or surcharges/fees of any kind levied by loan holder(s) in conjunction with prize fulfillment are the Winner’s sole responsibility. SHOULD WINNER NOT WISH TO INCUR SUCH SURCHARGES/FEES, WINNER’S SOLE RECOURSE IS TO DECLINE THE PRIZE ALTOGETHER. Each prize will be awarded in the form of a corporate check mailed directly to the Winner’s loan servicer. IN FULFILLING PRIZE, SPONSOR AND ADMINISTRATOR ARE RELYING DIRECTLY ON INFORMATION PROVIDED BY WINNER AS TO THE NAME, ADDRESS AND CONTACT INFORMATION (INCLUDING PAYMENT PROCEDURES) OF APPLICABLE LOAN SERVICERS. Upon fulfilling each prize, the Sponsor and Administrator will be deemed to have awarded the prize and it is the sole responsibility of the Winner’s loan servicers to process the payment and update any account information in accordance with receiving such payment. Prizes are non-transferable (except as otherwise provided herein) and no substitution by any Winner is allowed. ALL FEDERAL, STATE, AND LOCAL TAXES OR OTHER EXPENSES RELATING TO THE ACCEPTANCE AND POSSESSION OF EACH RESPECTIVE PRIZE ARE THE SOLE RESPONSIBILITY OF EACH WINNER. An IRS form will be filed in the name of the loan holder by the Sponsor and the loan holder will be responsible for issuance of any applicable tax forms to each Winner for the value of the prize awarded. Winner further agrees to fully cooperate with Sponsor and its designees with regard to effecting any required tax filings in conjunction with award of the prize.

What are the odds of winning and how are entries tallied?

All members of SLC and acceptable Mail In entrants will receive 1 entry into the giveaway. The odds of winning depend on the total number of members and entrants in a giveaway period. If there are 100 total members and 5 mail in entrants in a giveaway period, an individuals odds of winning would be 1 in 105.

Here’s where we had to get legal….You’re almost done!

Consent and Release

To the fullest extent possible in law, Entrants, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Giveaway Entities, Instagram™,Twitter®, Facebook®, Youtube, Google + and Linkedin®, as well as their respective employees, officers, directors, shareholders, representatives and agents, from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extents, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Released Parties which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation, acceptance and use or misuse of prize (if determined to be a Winner). The Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Giveaway or in the announcement of any prize. In the event Sponsor and/or Administrator is prevented from continuing with the Giveaway as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state, or local government law, order, or regulation, or order of any court, or other cause, Sponsor shall have the right to modify, suspend or terminate the Giveaway. Furthermore, the Sponsor reserves the right to terminate the Giveaway if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Giveaway), and to determine Winners from among all eligible Entries received prior to termination or otherwise in a manner determined by Sponsor in its sole discretion to be fair, appropriate and consistent with these Official Rules. Notice of such action by Sponsor will be posted on www.studentloanclub.com. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Giveaway or use or redemption of the prize (if Entrant is determined to be a Winner).

Arbitration

This Giveaway shall be governed by and interpreted under the laws of the State of California, without regard to its conflicts of laws provisions. Entrants hereby agree that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Giveaway shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by the Entrant. IF ARBITRATION IS CHOSEN BY EITHER PARTY TO RESOLVE A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS GIVEAWAY. ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply. In such circumstance, any action must be brought individually (not as part of a class or in a representative capacity on behalf of the general public or other persons similarly situated) in the federal or state courts of California, and entrants hereby agree to the personal and exclusive jurisdiction of such courts, waiving any right of inconvenient forum, change of venue or any like right; in addition, entrants understand and agree that their recovery in any such action will be limited to their actual out-of-pocket costs in participating in the Giveaway, with any rights or claims to attorneys’ fees, indirect, special, punitive, incidental or consequential damages, whether foreseeable or not and whether based on negligence or otherwise, being expressly waived.

General

In the event of a dispute as to the ownership of any Student Loan Club Account Entry, the authorized student loan account(s) provided to the Sponsor used to confirm eligibility and to receive the prize fund will be deemed to be the Entrant. Each potential Winner may be required to show documentation proving they are the authorized account holder. The Sponsor is not responsible for: (i) lost, late, misdirected, incomplete, damaged, illegible or postage due Entries/Requests or other Giveaway materials; (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of Entry/Giveaway materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive Entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any Website or any combination thereof; (iii) any injury or damage to Entrant’s or any other person’s computer or mobile device (or information stored thereon) related to or resulting from participating in the Giveaway, or (iv) the failure of any Entrant to comply with the instructions and proper administration of this Giveaway. By participating in the Giveaway, Entrants (i) agree to be bound by these Official Rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of the Sponsor, which are final and binding in all matters relating to the Giveaway. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the entry process or the operation of the Giveaway or website or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE GIVEAWAY, IS A VIOLATION OF CRIMINAL & CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

Winners List

For a list of winners please visit www.studentloanclub.com/winners (updated  approximately 2 weeks after Giveaway Period ends. Alternatively, you may submit a hardcopy request for a winners list two weeks after the Giveaway Period has ended. Send a stamped, self-addressed envelope to Student Loan Club, 12655 W Jefferson Blvd, Fourth Floor Playa Vista, CA 90066

Privacy

By entering the Giveaway, the information Entrants provide may be used to contact Entrants. Information provided by Entrants to participate in this Giveaway is subject to Sponsor’s privacy policy located at www.studentloanclub.com/privacy-policy.

Sponsor

Student Loan Club: info@studentloanclub.com 12655 W. Jefferson Blvd., Fourth Floor, Los Angeles, CA 90066.

This Giveaway is in no way sponsored, endorsed or administered by, or associated with Instagram™,Twitter®, Facebook®, Youtube, Google + or Linkedin®. You understand that you are supplying your information to the Sponsor and not to Instagram™, Twitter®, Facebook®, Youtube, Google + or Linkedin®.

Instagram™ is a trademark of Instagram.

Facebook® is a registered trademark of Facebook, Inc.

Twitter® is a registered trademark of Twitter, Inc.

© 2017 Google Inc. All rights reserved. Google + and Youtube is a trademark of Google Inc.