Yes those are the obvious choices in that grouping. However, you have to remember that a lot of students don't both and just pick whatever name they are familiar with. Looking at your options will save you thousands, and the ones that you have listed are just the beginning. If you go to FinAid.org there is a huge list of lenders that offer benefits to reduce the %s. Things have gotten worse in terms of reductions this year but there are still a few that offer better deals that you should look into. I'm currently doing that now...Good luck!