Exhibit 10.6

                                  AMENDMENT TO
                               SERVICING AGREEMENT



        This Amendment to Servicing Agreement (the "Amendment") is made and
entered into as of the 1st day of July, 2003, by and between EMT Corp., an
Indiana corporation ("EMT") and EFS Services, Inc., an Indiana corporation ("EFS
Services").

        WHEREAS, EFS Services and EMT entered into a Loan Servicing Agreement
dated May 15, 1998 (the "Servicing Agreement"), pursuant to which EFS Services
agreed to act as the primary servicer for student loans held by EMT in
consideration of a monthly servicing fee equal to 1/12th of 1.20% of the
outstanding principal balance of EMT's student loans as of each month end;

        WHEREAS, EFS Services and Nelnet Loan Services, Inc., a Nebraska
corporation ("Nelnet Loan Services") have entered into a Subservicing Agreement
dated as of February 1, 2002 (the "Subservicing Agreement"), pursuant to which
Nelnet Loan Services agreed to process and subservice EMT's student loans in
consideration of receipt of the fees payable to EFS Services under the Servicing
Agreement;

        WHEREAS, on December 18, 2001, EFS Services and EMT modified the
servicing fee payable under the Servicing Agreement; and

        WHEREAS, EFS Services and EMT wish to execute this agreement setting
forth such modification.

        NOW, THEREFORE, the parties agree as follows:

        1.   Section 2.4 of the Servicing Agreement is hereby amended to read in
its entirety as follows:

               SECTION 2.4. Term and Fees. The Servicer agrees to service all
               Loans submitted by the Issuer for the life of the Loan. The
               Issuer agrees to pay the Servicer a monthly fee equal to: $1.27
               for loans in school, $2.34 for loans in grace, $2.60 for loans in
               repayment, forbearance and deferment, and $15.91 for loans in
               default. Such fee shall be payable within 10 days of receipt by
               the Issuer of an invoice detailing such fee.






        In Witness Whereof, the parties have executed this Amendment as of the
date first written above.

                                     EMT CORP.


                                     By:   /s/ Jim Kruger
                                           -------------------------------------
                                     Name:  Jim Kruger
                                           -------------------------------------
                                     Title: Vice President
                                            ------------------------------------


                                     EFS SERVICES, INC.


                                     By: /s/ Mike Dunlap
                                         ---------------------------------------
                                     Name:  Mike Dunlap
                                           -------------------------------------
                                     Title: Chief Executive Officer
                                            ------------------------------------