Dear Heather,

First off, thank you so much for all you do!

I am currently in a dual program (JD and Master’s in Public Administration). This is the first time in my educational career that I needed to accept loans. In my undergraduate I received grants and scholarships to pay for school. Last year, I accepted Grad Plus loans and unsubsidized direct loans. I have three years left of grad school. I am currently in a contemplating on accepting either the grad plus loan or unsubsidized direct loan or only one. The program is 15,000 all year.

What do you recommend I do to minimize the cost of loans? I want to accept only part of the loans, but I am unsure which loan to choose?

Thank you very much.

Thank you for such a great knowledgeable post.

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