RE: what is the lowest fixed rates for student loans?
THe lowest fixed rate student loan is the Perkins loan at 5%. To apply you must fill out the fafsa at http://fafsa.ed.gov
The next best fixed rate loan is the Stafford loan at 6%. Again, to apply you fill out the fafsa application stated above.
Private student loans are evil and should be avoided at all costs. If you ever see anything that says “Prime + (insert number here)” you are getting ripped off and that will be more than the federal student loans.