And I really like titties!
No, not from Rhode Island. Just so happened that when I needed a private loan during undergrad they gave me a great rate and I got my loan from them, though I'm from MD (well..from DC now).
Ok, I called a ton of places and this is what I found out from each of them concerning Grad Plus loans:Citizens's Bank of Rhode Island: Rate drops by 1% upon entry into repayment and .25% if you do automatic debit. 60 day grace period. 3% origination fee.Academic Finance Corp: Rate drops by .25% when you enter repayment and 1.75% if you do automatic debit. 60 day grace period. 3% origination fee.T.H.E.: Rate drops by 1.3% when you enter repayment and .25% upon first disbursement. No grace period. 3% origination fee which is given back to you upon graduation.Citibank: Rate drops by 1.25% when you enter repayment and .25% if you do automatic debit. 6 month grace period. 3% origination fee.I called Access Group as well, I don't remember exactly what they said, but it wasn't as good as Academic Finance Corp so I didn't bother writing it down. I also called Sallie Mae, but they said they don't service loans for those going to Columbia.