I'm trying to decide which GradPlus loan to get and have a question.  My school says you should probably go with the loan that will give you the 3% rebate for the origination fee and not worry about all the interest rate reductions they offer once you enter repayment because most students consolidate their loans upon graduation. 

While this sounds like a good idea, we have no clue what the consolidation interest rates will be at in three years.  So is it smarter to get the 3% origination rebate now and in my case save $500 or to just pay a little more right now and make sure I get a 6.5% interest rate in repayment?

I received an email from Wisconsin this morning saying my file was being circulated through the Admission Committee.  I'm just wondering if anyone else has received this email and if so how long did it take you to get a decision after receiving it?

So I've already applied to just about all of my schools. I have no idea bout my PS.  Just out of curiousty I would like some feedback.. Nothing special since my schools already have my essay but if you want to tell me I'm a retard I'm all for it...PM me.