AUA medical Loans

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ashlovejp23

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I recently found out that for AUA medical school the first two semesters of the loan are not elligeble for full deferment of interest and fees and that you need to re-apply for the loan every semester.

Are many people successful in getting the full deferment of interest and fees after the second semester?

If I am a U.S. citizen do I have to have a co-signer?