Also, I was told to call in every month and ask them to apply all my payment to my unsubsidized portion of my loan. It's a good idea that I didn't know I could do.. (I have 2/3rds of my loan as the better subsidized, but 1/3rd is unsubsidized). You don't get as many benefits to the unsubsidized portions. Anyway, thought I'd pass it on. She said most reps won't tell you b/c it's more work for them. but it's certainly beneficial for us to make a simple call once a month.