Everyone on here seems to be doing the Access group for loans, what about the Gate Y loans? I just figured they might be easier since they are administered by Yale. Also, I'll be living in a building called Howe Place, they are pretty close to campus and have good rates. It was highly recommended by a current student, who also said the Towers are awful. The reviews seem to be mixed on the Towers, however.
I like the towers (Madison is the one I have personal experience with). Fairly cheap for lots of space. They're old, but management tends to be responsive to problems (for example, we had issues with our shower leaking, so they replaced the "painted" shower floor with tile, and they replaced our old oven with a pretty cool new gadget-y one without our asking). I've seen some really well-decorated, nice looking apartments in the Towers. On the other hand, our cat killed a mouse in the apt. a few months ago (the first evidence of mice we've ever seen, but there it is).
As for loans, I use Gate-Y. I'm not sure how it compares to the others, though, because I actually had no choice but to use Gate-Y (I'm an int'l student). I've had no problem with loan disbursements so far, and Yale Finaid has been incredibly helpful and responsible.