I'm impressed with all the discussion on this thread! I almost forgot about this thread I posted. I read through every page, and I'm going to accept the government loans. HOWEVER, I declined 2 loans that were offered to me based on my ethnicity. I'm 25% German, 25% Italian (maternally; mom's dad is Italian, mom's mom is German) and 38% black, 12% Native American (paternally; dad's dad is black, dad's mom is half NA, half black). I suppose there's no solid reason for me declining those loans if I'm just going to accept the other ones anyway, but my soft rationale is that (1) I think it's insult