Okay ... I've realized what a headache this whole financial application process is. But anyhoo. Here goes. Like many other posters, if you compare rates, and the ability to save the most money in the future, THE has the best deal. So I was going to go with that. Then I call FAO and they say to go with Medloans (both THE and Medloans are preferred lenders). Whichever one I go with (anyone have any suggestions for why pick Medloans over THE?). Anyhoo .. whichever one I go with, they are both for stafford loans (not alternative loans). Will I be able to consolidate my undergraduate stafford loans with either the Medloan Stafford or THE stafford?? I *think* that med school stafford are considered private loans, and so are unable to be consolidated with regular stafford. Is that correct? I would love to lock my UG loans in when next week rolls around, but I have been getting mixed answers about being able to consolidate and lock in since I'm going to be a full time student in the fall. the FAO says that I cannot consolidate while I'm still in school, and Sallie Mae (who handles Medloans) says that I *can* consolidate my UG loans right now if I want to. aghhhh. I dunno.... Oh. And what is HEAL?????? I know what the acronym is (Health Education Assistance Loans) but is that like another lender or something? Or do all loans used for medical school fall under a category of being a HEAL loan?