[ethbro]

One would hope that calendar time paying post-graduation >> time paying pre-graduation. ;)

[wgerard]

They're 20 year loans.

I'd be hard-pressed to think of a single person that wouldn't tell an unverifiable lie to get a lower interest rate on 20% of their loan lifetime.

Doubly so for loans with compound interest (as some private student loans are).

[ethbro]

So just roll the difference for your entire study period onto your post-graduation rate?