Yeah, I've been going back and forth on this myself recently. The smart thing seems to be to split the difference and take out both Grad Plus as well as private loans and prioritize repayment based on the interest rate. Still even among private loans, there are a ridiculous number of options which make my head spin. Sallie Mae, Citi, and my schools credit union are currently the top three private loans I'm considering (along with Grad Plus) but I need to do more research since my school provided a list of like 15 different private loan sources.
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