In addition to my stafford federal loans I had to take out private loans. I did so through Discover Student Loans. I had my father as a cosigner since I am a college student with no established credit history and my interest was 8%, compared to 13% from sallie mae private student loans, so I obviously went with Discover Student Loans. (I found out about them at my schools financial aid office: they had a ton of private loan company brochures.) They also offer a percentage back after graduation as well as reduced interest rate if you have automatic payments 6 months after you graduate. I'll be using them in the future up until I am finished with school.