I was wondering if anyone could give me advice on choosing a lender. I have narrowed down my schools preferred lenders list to two choices US Bank or Medloans. US Bank's benefits include no guarantee fee, 1/4% interest for autopay, 2% interest rate reduction after 48 payments, rebate of 3% origination fee after 24 payments and rebate of five months interest on unsubsidized stafford loan after the 2001-2002 school year. I have read over the information on Medloans but am confused at how it compares. If anyone could provide insight I would really appreciate it.