If you need to take out a $50,000 student loan 2 years before graduating, which loan option will result in the lowest overall cost to you: a subsidized loan with 7.2% interest for 10 years, a federal unsubsidized loan with 6.4% interest for 10 years, or a private loan with 6% interest and a term of 13 years? How much would you save over the other options? All payments are deferred for months after graduation and the interest is capitalized.

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