Very helpful. Are there any other solid lenders besides Wachovia and Sallie Mae. It looks like a guaranteed rate of 7% after incentives is a pretty attractive deal to me (only .2% above the 6.8% Staffords).Credit Card question: I maxed out my credit card, but I haven't missed a payment or anything. Does this improve or hurt my credit. I'm pretty clueless about this stuff.
someone up there listed citibank. please dont use citibank. they do awful things with your money (meaning your interest payments). evilevilevil. (i know someone will ask me to qualify this, but lets just say they are behind a lot of large development projects that do more harm than good)