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How do I compare these?

What else should I look for?
Rather than try to compare these without being sure that I had all the necessary information, I think I would just ask each lender what the total cost, over the entire life of the loan (if repaid according to the schedule) would be for each $1,000 borrowed, based on the current rates.

Lenders have to give you this information for other kinds of loans, and I think it should be equally available for student loans.

This won't take into account every possibility: for example, you might later consolidate this loan with others, or you might get a high-paying job and be able to repay it faster than the schedule requires. But at least it will give you a clearer basis for comparison. The rates on which they're based will change, but not predictably, so just using the current rates is probably the only way to compare.
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