I'm not all that impressed with Sallie Mae. My school has a program where you go to class in the fall and go out on an internship in the spring. Thus, you need the majority of your money during the fall.

But Sallie Mae loans don't have a way to set this up. You have no choice but to split the loan evenly between the fall and spring semester. Because of this, I have to take out more money than I need. It's a real pain.