I will be transferring to a much more expensive school than I'm at now. I will need to borrow probably about 20-25K a year. I looked at CitiBank, and you need a minimum of 1 yr. flawless credit history (which I have), and 18K minimum annual income, which I have now, but will probably not have when I transfer schools. First, how does the income fall into play with this type of loan? Also, what is the best bank for student loans. I've looked at Sallie Mae, CitiBank, and Key. Wells Fargo have too many fees and higher interest rates. Thanks so much for the advise!