If you need to take out a $30,000 to loan two years before graduating which loan option will result in the lowest overall cost you a subsidized loan with 7.1% interest for 10 years or a federal unsubsidized loan with 6.3% interest for 10 years or a private loan with 7.0% interest and a term for 15 years? How much would you save over the other options? All payments are deferred for six months after graduation and the interest is capitalized