I just have a quick question. For those of you that weren't fortunate enough to pay out of pocket for your entire education, how easy did you find it to defer your undergraduate loans and then your medical school loans? It seems that there is so much red tape and a lot of loops to jump through to make it happen. I'm just wondering because CitiFinancial is saying it depends on the type of UG loan and it appears to me that there is only one type. Any answers would be appreciated.