<p>I need to get student loans and as an international student, I only have two choices: Citibank and Nellie-Sallie Mae Private Loans.</p>
<p>If I plan to borrow $20,000/year for 4 years, and pay principal+interest while I'm in school, which option is better?</p>
<p>It seems like Citibank offers interest rates reductions, while Nellie-Sallie Mae does not.</p>
<p>Thank you in advance.</p>