If you have an account at Community State Bank, Union Grove, Wis., and your son or daughter needs a college loan, they only have to phone the bank to start the ball rolling.

"Since we already know their families, we don't even ask for their Social Security number -- we just mail them the first set of forms they'll need," says lending officer Beth Quaderer, stressing that student lending is a service -- not a money-maker -- for most community banks.

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