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I was comparing a few suggested lender choices for my cost of attendance. It seems like they are pretty much similiar except that bank of america has 0% origination fee for federal stafford loan and citibank has an automatic 0.5% interest rate reduction once you enter repayment and waive last 6 months of payment if the rest were paid on time. So I am leaning towards using citibank as my lender. Anyone has any suggestions/opinions on this? Any advice will be greatly appreciated. Thanks