<p>Well I'll be going out of state next year and I am going to have to take out student loans (I have gone through my first two years debt free). I'm going to have to borrow around 20k per year give or take. Anyways, what are some good companies to go through, if I defer payments until after I graduate am I still accumulating interest on the loan or are they not adding interest either? Any help or even direction in how to go about researching theses different kinds of loans would be greatly appreciated.</p>
<p>I can't recommend any particular companies, but I can answer another of your questions. If you are eligible for a Stafford subsidized loan and/or a Perkins loan, the interest on these loans does not begin accumulating until the due date. If you borrow from almost any other program (including Stafford unsubsidized loan), interest will begin accumulating as soon as the loan is disbursed. You can choose to pay the interest while you are in school, or you can let it accumulate & it will end up bumping up what you owe even more in the end. There are some private loans that do not charge interest during school (my church has such a loan available to its members). You'll have to do research to find them; start with groups you or your parents belong to.</p>