I thought that this was too good not to pass on. I was searching for loans through Bank of America and found a higher education loan entitled: Loan to Learn. It has a lower interest rate than any I have found and there are NO origination fees. The application was easy and they have a great customer service department. Some of you might also qualify for lower interest rates with a cosigner who is a member of AARP. I received an interest rate of 8.25%. This can be furter reduced if you agree to make the interest payment with automatic withdrawl.