I'm deciding between Citibank and AccessGroup myself. Right now, I think Citibank's best rate is lower than AccessGroup's best rate. I don't think you know what rate you'll get until after you apply, though, so I don't know if that helps. I've read more favorable things about the LIBOR, so I'm leaning towards AccessGroup.
Citibank's Stafford incentives do seem the best. But if I decide to go with AccessGroup for private, I'd probably use them for Stafford as well for convenience.
Are we able to apply for loans yet? I thought we were supposed to get something from the FinAid office first before we start.