student loan options?

I'm having a hard time finding a different loan that what I currently have with better options. I currently have a Citibank loan. However I'm looking for a legit company that can offer me fixed rates (i.e. not some X% above APR), deferred payments till 6 or more months after graduation or no longer a full time student, and at least $40,000 available per year. Any suggestions would be greatly appreciated. I have a loan already for this fall, but I'm still looking for better options. Since i applied for a loan for the summer, interest rates have increased 1 percent, adding $7,000 to my final payments, and that was on just a small sum of money, I hate to think what will happen in the next 3 years. Thanks 

 

Public Comments

1. Check out these loans: Stafford loans (Subsidized, Unsubsidized and Additional Subsidized) (link 1) Perkins loans (link 2) PLUS loans (link 3) Private loans (up to $40,000 as you requested, link 4) Additionally, for individuals who do not qualify for federal loans, private loans are available through private lenders, banks and institutions. Interest rates for these loans vary, and are determined by the individual lender or institution, and are based on an individual’s creditworthiness. Good luck! 
   

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