For heaven's sake, don't get a private loan. Are you mad?
Stick with the Federally backed loans. I don't care what kind of rates you get with private loans, nothing beats the safety of being able to utilize income based repayment plans if things get bad, and defferals/forbearances if things get really, really bad.
I owe $90k and my monthly bill is about $300 on Pay As You Go. I could afford standard repayment, but I prefer to keep my "required" payment low and just voluntarily send extra every month to specific loans I want to pay back more quickly (higher interest rates, etc).
P.S. If you are at LSU, go to France after your first year. Seriously. It doesn't matter how much you have to borrow to go. It's worth it. Based on your location, you probably aren't, but I feel strongly enough about it to take a shot, regardless
This post was edited on 12/29 at 8:26 pm