<p>Went to apply for small subsidized Stafford Loan from Oberlin and they offer 4 choices: Sallie Mae, Citibank, Wells Fargo and Chase. 3 of them offer a .25 loan rate reduction if you use auto withdrawl, but otherwise the differences seem insignificant. Any experiences with dealing with these lenders for this kind of loan to inform our choice? A friend at another school uses Sallie Mae (only choice offered) and said its fine.</p>