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One of my financial aid applications it says much of it will come in the form of the stafford federal loan program. I understand this program and the unsub/sub max part of it, but then they ask me to check the lender of my choice for the stafford loan program(Citibank or Nellie Mae)? Is there a difference between the two since these are stafford loans and I wouldn't have to borrow over 38.5k any year at this school?