Well, I applied to 2. It was either Wachovia and Wells Fargo, and a program in Maine, b/c that's where I live and where my school is. I didn't require a co-signer, no income, but I'm older so I do have 9-10 years of credit history with only 2 late payments, and one of those was in 2005. I did get the worst rate, but it wasn't that bad for only a few grand. I think variable prime +2.5%(now 7.5%-ish). That was for the out-of-state loan. I ended up choosing the in-state loan b/c the interest was super super low, 90-Tbill +2%(currently 3.91%). Definitely beat the GradPlus option, which 8.5% fixed.