re: Graduate student loan question

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Does it pay to even fill out the fafsa if we know we make too much to get any assistance?

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There is no "free" money for grad school, so every grad school student qualifies for roughly the same: loans.

Benefits of federal loans are huge over private companies. If she gets sick, needs deferment, that can be easier with federal. Also many different repayment options, and loan forgiveness for working in public sector.
Not sure about companies with good rates. Depends largely on your credit score. Just be sure you don't pick a variable interest rate. Those lure a lot of people in.