Let me clarify. When I stated that SGU private loans only covered part of the tuition I was referring to the private loan that SGU has set up with Ed Invest (a lender) to "help" out the vet students b/c they are not eligible for federal loans. This loan is structured to mimick a federal loan, with lower interest rates (annual adjusted variable) and no interest accrued while in school. This particular loan has an sub (8000$) and unsub portion (10,000$), where SGU will pay the interest during your four years of vet school (at least for the sub. portion of the loan). Additionally you can also take out another private loan, but for these loans you have to pay all the interest accrued with no additional help from SGU. Sorry for the confusion.