<prompt> Human: I will be going to college next fall and am looking for help on how to pay for it. My schooling will be 23k per year and I plan on being in for at least 5 years to get my masters. My parents do pretty well but not well enough to pay for my school and the schooling of my two siblings. Theyll be consigning any loan and will begin making payments on the unsubsidized portion of the loan.Ive heard nothing but bad things about Sally Mae and Wells Fargo seems to have much higher interest rates. Are there any other sources of loans worth looking into?  <response>: Your first step is to file FAFSA. This will determine what types of need-based grants and loans you will qualify for. It may also be required for state aid and certain need-based scholarships. Always max out these options before considering a private loan. Also consider getting a part-time job to help cover your living expenses.In addition to the options above, your parents may be able to take out Parent PLUS loans on your behalf. These are basically federal loans for parents. They come with most of the same flexible repayment options and protections as Stafford loans, but they tend to have slightly higher interest rates and are in the parents name. PPLs can be borrowed up to the full annual cost of attendance for your school.If you absolutely have to take out a private loan, shop around and go with whoever gives you the best interest rate. Private lenders in general tend to be very inflexible so your goal should be to pay off that debt as soon as possible.See also: rstudentloans 