Desmond... You are correct that you are only allowed 20.5K per year of unsubsidized which is 1% origination fee and 5.8% interest rate. But you can also apply for federal Grad plus loans for the rest which is a 4% fee and 6.9% interest rate. All expenses will be covered and you will be in debt up to your eyeballs like the rest of the medical students today. LOL welcome to med school. AUA financial aid can talk to you about it tomorrow but it sometimes may take a few calls to get them on the phone. Plus you could have looked on the AUA website in the financial aid page I think its all stated there.
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