Hello everyone,

I am a bit new to the whole school loan thing, so bear with me. From what I understand, the Stafford Subsidized Federal Loan does not start collecting interest from the borrower until after 4 years of graduate school is complete. Are there any private loans for medical school that offer this as well? I've looked at Chase, Citibank, Sallie Mae and several others, and all seem to be very similar to the Stafford Unsubsidized, which supposedly has interest start adding up before the 4 years is up.


I hope this question isn't too confusing-if anyone knows of any, please let me know! Thanks!

No, there are no private loans that offer that.

Sub stafford loans start accruing interest 6 months after you cease being a qualified student. All other start accruing interest from the day you borrow them.

School financial aid will combine the two FFEL loans in an equal mix of Stafford & NonStafford in each note. You could refuse the nonstafford to lower the long term cost if you can get by without it; usually total need calculation is derived from an equal mix of each.

The loans are stafford loans...but they are sub and unsubsidized. You can turn down the unsub loan.l

Thank you for the replies!