Problem is - FIU OOS COA is 108K lolYes the lowest interest federal loan caps around $42k.
For the rest... 'Grad loan plus' (also a federal loan) covers the other 40ish thousand for a few % more in interest. There is zero need for personal/private loans for the average student who can live on under $80k a year. Your FAFSA determines how much federal loans you can take out, so fill those out, it takes like 10 minutes.