hey as much as the name "need access" sends chills down my spine, these stafford loans from Access Group sound pretty good:
* 0% origination fee
* Receive an immediate 0.8% interest rate reduction if you make your first payment on time.
* This 0.8% reduction will continue as long as your payments are received on time.
* We offer a one-time “repair” feature for borrowers who miss a payment. Make the next 12 consecutive payments on time, and the 0.8% reduction will be reinstated.
* Reduce your rate an additional 0.25% by making auto-debit payments from your bank account.
* Discounts are temporarily suspended while you are in periods of authorized deferment or forbearance, but resume after you make the first required on-time/auto-debit payment.