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Note from the poll creator: I'll put her on <a href=" http://www.ohword.com/freelance-writing-agency/#reserved ">help writing thesis statement research paper</a> While most families opt for government loans first, private loans are also available at a wide range of mostly higher rates. Since Congress was unable to reach agreement on holding Stafford rates at 3.4 percent the advantage of subsidized loans has narrowed sharply.