Why advertise in a student loan file? Simple answer - to target an educated consumer. Across the United States, several billing statement files have opened up to allow advertisers the opportunity to target adults with student loans. The ages of these adults range from 25 to 50 years old, which is older than one might assume. Circulation numbers are significant, and opportunities also exist for advertisers to ride-along with outgoing payment coupon booklets in addition to monthly statements. Added benefits of advertising in these statements include the implied endorsement of the loan holder and nearly a 100% opening rate.