i too would agree that the department of education's direct loan program is the easiest option. all i had to do with mine was choose a plan and give them the account numbers for my loans and they took care of the rest. i'm not sure if they still offer it, but signing up for the auto-withdrawal option saved me .25% which doesn't sound like a lot but when it comes to interest every little bit helps. plus, i like not worying about ever being late and having my rate go up
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