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  1. The COA at my school is $135k. My financial aid package includes both subsidized and unsubsidized Federal Stafford loans, but together those only cover $20k, so I need to cover another $115k. My school's package covered the rest with a Federal Grad Plus loan... which, frankly, seems like a pretty lousy loan as far as fees and interest rates go: Federal Grad Plus: fixed 7.9%, 4% fees. Best private loans, fixed: 3.4%, NO fees. Best private loan, variable: 1M LIBOR + 2% (currently that equals 2.25%), NO fees. The private loans I've found seem to offer comparable perks to the Fed Gra
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