One of the schools that has accepted me has awarded me a Stafford subsidized loan, but not a Stafford unsubsidized loan. In my opinion, this is odd because the other two schools that have accepted me have both awarded me Stafford sub and unsub loans. I am an independent transfer student with an $18k EFC, but that will change after starting school in the fall and quitting my job (my firm won't allow me to modify my hours or work part time; but also, if I attend this school it is OOS and I'll have to move). I do plan on talking to the FA office at this one particular school to see why they didn't award the unsubsidized loan, but I would like to know if anyone else has been in this situation and if so, what was done about it. Am I relegated to taking on personal, higher interest loans, or is there a chance they will reconsider and award the Stafford unsubsidized loan? I know I'll have to take out some loans and will have to work part time, but with only two years of school left and no education debt yet, I'm OK with that, but if I can get a better interest rate, I'm all for that.