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I think your last comment Marite was unnecessarily cutting. I'm not excusing them, but the fact is, the subsidized Stafford we were offered and took through their FA office was the same in all particularities including cost and interest rate as any other we could have gotten. Staffords are pretty well regulated, and i don't think that the FA situation there (and at many schools) called for a blanket condemnation such as you just made.
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Garland: Did the accusations against Columbia and other schools that engaged in kickbacks suggest that applicants could have gotten better deals elsewhere? I did not read carefully but it did not seem so to me.