<p>mom2collegekids- She has the highest BF[75%of tuition] and has recieved her FA awards from 2 schools and they are very good. One has it packaged down to the penny of COA, and thats with scholarships, grants and loans. $1800 Sub and $2500 unsub. I think I will do the sub because the rates seem so good. I am thinking that would be best instead of using her savings, and use her savings next year when rates for loans will most likely be higher. But I am just now learning about this process and don’t have it quite figured out yet. lol</p>