mtvU Visa...
Earn 5 ThankYouŽ Points for every $1 spent at restaurants (including fast food), bookstores, music stores, video rental stores and movie theaters
Can be redeemed as a 5% rebate toward student loans.
1 TYP on other spending categories = 1% toward student loans.
EDIT: Some people see 1 TYP = 1 cent student loan redemption, some see 1 TYP = roughly 0.8 cents... so it's minimum of about 4% on the target categories.